SANELA LEE

***** *. ***** ***, ******, AZ *****

623-***-****

ac79pi@r.postjobfree.com

Objectives

Seeking long term employment in an organization where I can grow professionally and further enhance my skills, knowledge, and experience to face and overcome the challenges of today’s changing work environment. Work History

Due to volatility of the market and work force reductions, I have held positions at several different companies. This is unfortunate and not my desired pattern of employment.

Jumbo Underwriter – Remote

Synergy One Lending, San Diego, CA

• Underwrite Jumbo Non-Conforming and Agency loans 04/2018 – 01/2019 Underwriter – Remote

Axiom Financial/Guaranteed Rate Affinity, Sandy, UT 10/2016 – 03/2018

• Underwrite a full range of mortgage loans including Agency Conforming and Jumbo (up to $1 Million)

• Calculate income/self-employed cash flow using documentation methodology required by investors

• Review appraisal to ensure the report is accurate and the value is supported

• Work closely with Sales Team to answer specific underwriting questions

• Provide options and recommendations to borrowers regarding suitable loan programs

• Verify that system input is accurate and that company systems match AUS. Head Underwriter

Arizona Central Credit Union, Phoenix, AZ 06/2015 – 10/2016

• Portfolio/Non-QM Products and full manual loan underwriting including analyzing tax returns for self-employed borrowers and rental properties; review appraisal and all other credit documents.

• Able to review and decision 4 full new loans per day plus conditions review.

• Perform QC review on FHA loans underwritten by the investors.

• Train staff on new products and changes to the guidelines. Frontline Mortgage Underwriter

Flagstar Bank, Troy, MI (Remote/Contract) 06/2014-06/2015

• Worked in fast pace environment doing 4+ new loans per day plus review conditions for final approval.

• Maintain current and fluid knowledge of investor and agency guidelines and adopt to changes quickly.

• Communicate decision to AE’s and internal staff. Underwriter

Ryland Mortgage, Scottsdale, AZ 03/2013-02/2014

• Underwrite Conventional and FHA loans.

• Review loan packages including: credit, income, assets, appraisal, purchase contract, title and all other credit docs.

• Achieved company expectations on monthly basis due to ability to multi-task and being detail oriented. Sr. Underwriter

JP Morgan Chase, Tempe, AZ 08/2011-02/2013

• Underwrite Fannie and Freddie submitted loans.

• Analyze for capacity, capital, character and condition; meet program and product guidelines. SANELA LEE

31682 N. 131st Ave, Peoria, AZ 85383

623-***-****

ac79pi@r.postjobfree.com

2

• Communicate decisions (approval, suspense, denial) to appropriate individuals within JPMorgan Chase. Underwriter III

Wells Fargo Home Mortgage, Tempe, AZ 09/2010-06/2011

• Review and analyze all areas of the mortgage loan application to ensure accuracy and that Wells Fargo Home Mortgage follows internal and regulatory guidelines.

• Analyze income documentation, appraisals, title reports, and various other conditions required for loan approval and loan closing for Conv, FHA and VA loans.

Underwriter

First National Bank of Arizona, Scottsdale, AZ 02/2002-08/2010

• Promoted from Account Manager to an Underwriter within six months due to fast learning and ability to multi-task.

• Review and analyze income, credit, appraisal, title reports, purchase contracts and various other documents.

• Communicate decisions (approval, suspense, declines, counter offers) to AE’s and internal staff.

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