Marina Del Rey, CA 90292
SUMMARY: Twenty years experience in the mortgage Lending industry. Front line underwriting, portfolio analysis and Manual reviews .
Urban Settlement: August 2015 to Nov 24 2017 Westlake Village,CA. Underwriting conforming loans .Senior Underwriter with 1 million signing authority. (Vendor for Bank of America) Wells Fargo Home Mortgage: June 2014 to April 2015 ( PMB Retail division ) Lombard, IL (Lo4)Performed non conforming portfolio underwriting reviews,. Proficient in systems CORE, LIS and LPS systems. Wells Fargo Home Mortgage: August 2010 to May 2013(WFA retail and Distributed)- Several Locations. Performed underwriting of conforming loans with Level 4C authority. Knowledge of LPS and LIS system. Underwrite conforming product including Harps. Render underwriting decisions and subsequent clearing of conditions to ensure credit guidelines are met. Examine loan documents for accuracy and completeness while working with the Home Mortgage consultants and production staff to secure all required documents. Thorough understanding of credit and ability to review complex financial documents and tax returns including 1084 tool and IAT tool. Mortgage IT (Wholesale division of Deutsche Bank): Feb 2006 to April 2007: Underwrite Non conforming product with signing authority to $800,000 1st and $200,000 simo 2nd totaling 1 Million signing authority per transaction. Communicate with Mortgage brokers on approvals as well as declines. Wells Fargo Home Mortgage for GE, MGIC, Radian and direct: October 2000 – February 2005 Performed underwriting of residential conforming and non-conforming loans with Level IV authority. Worked in wholesale and retail operations using LP, DU and manual underwriting of loans nationwide, encompassing all products and property types including underwriting Emerging Markets National Program and Harp loans. Independent due diligence projects for Wall Street: October 1999 - September 2000 Worked with various front line, post closing and due diligence projects for several lending institutions nationwide. Assignments included reviewing of conforming and non-conforming loans, A, B, C, D paper product lines and quality control.
Norwest Mortgage for Amerin: September 1998 - September 1999 As a Contract Underwriter in wholesale operations. Underwriting of residential conforming and non-conforming loans to
CITI CORP for PMI: June 1997 - August 1998
As a Contract underwriter in wholesale operations. MI Underwriting of residential conforming loans and manual underwriting of non-conforming product.
Education: BA in Psychology from University of Southern California