**** ******* ****, *******, **, *****•209-***-****•christa12012 @att.net

Christal Mitchell

To obtain a career position with a Financial Institution to assist with making quality risk decisions while delivering an excellent customer experience

Experience

3/16 - 3/18

Underwriter III

Disys/Bank of the West San Ramon, CA

•Ensure all relevant documents were uploaded to Nautilus

•Underwrite Conventional and Portfolio Jumbo Loan Products up to $1.0 Million lending authority to Fannie Mae and Freddie Mac guidelines

•Examine loan documentation that included reviewing appraisals, credit reports, title reports,

and income documentation for accuracy and completeness

•Work with loan originators and productions staff to secure all required documents

•Address credit related issues and assessed risk level to ensure that underwriting met quality assurance standards

1/ 14 - 3/16

Independent Consultant

Independent Consultant Modesto, CA

•Reviewed initial documents gathered by loan officers ensuring accurate income calculation, as well as initial issues were addressed, such as paystub deductions, etc.

•Assisted Mobile Notaries to ensure completeness and accuracy of loan documents

11/12 -1/14 Wells Fargo Home Loans Walnut Creek, CA

Consumer Loan Underwriter III

•Underwrite Conventional and Portfolio Jumbo Loan Products up to $1.0 Million lending authority to Fannie Mae and Freddie Mac guidelines

•Examine loan documentation that included reviewing appraisals, credit reports, title reports, and income documentation for accuracy and completeness

•Work with loan originators and productions staff to secure all required documents

•Address credit related issues and assessed risk level to ensure that underwriting met quality assurance standards

9/08 - 12/11 BMG Mortgage Company Ceres, CA

Office Manager/ Loan Processor Team Lead

•Provided Loan Officer training for FHA Loan Programs

•Managed office staff/loan processors. Managed pipelines to meet office monthly production goals

•Reviewed initial loan submissions for borrower qualification and readiness for lender/investor submissions

•Gathered and cleared purchase conditions from investors for secondary department

1 /06 - 1/07 Countrywide Home Loans Livermore, CA

Underwriter III

•Approved, counter-offered, or declined loans using CLUES/CLOUT AUS system

•Analyzed residential appraisal reports presented on various URAR forms

•Evaluated borrowers overall creditworthiness by reviewing credit reports, income and asset documentation

•Underwrote conventional conforming and Portfolio jumbo loans with $1.5 Million lending

authority

3/03 - 04/04 and 2/05 - 11/05 Genworth Mortgage Insurance Concord, CA

Contract Loan Underwriter

•Manually Underwrote conventional and Portfolio jumbo Joan products up to $1 Million lending

authority at a credit union lender to Fannie Mae and Freddie Mac guidelines

•Examined documentation that included reviewing appraisals, credit reports, title reports, and income documentation for accuracy and completeness

•Worked with loan officers, sales managers, or production staff to secure all required documents

•Addressed credit related issues and assessed risk levels to ensure the underwriting met quality assurance standards

•Reliably scored 100% for accuracy on all monthly loan audits

4/04 -02/05 Decision One Mortgage Salida, CA

Loan Underwriter

•Issued initial loan approval on all loan applications submitted from sales partners

•Acquired credit reports, fraud reports, OFAC, and Patriot Act reports

•Evaluated borrowers overall creditworthiness by reviewing credit reports, income and asset documentation

•Underwrote conventional conforming and Portfolio jumbo loans with $1 Million lending

authority

Education

1987 Valley Commercial College

Full Charge Bookkeeper w/ Computer Specialization

Modesto, CA

References

References are available on request.

References

Debbie Ferrier Underwriting Manager, VP Bank of the West

510-***-****

Debbie Ferrier was my most recent immediate supervisor and mentor

Rickey Travalini

Team Lead/Underwriter III

Bank of the West

925-***-****

Rickey Travalini was a TeamLead, and a great resource for scenario assistance

Yusuf Haschemi Area Sales Manager Bank of the West

510-***-****

Yusuf Haschemi is a current Area Sales Manager and great sales partner

Contact this candidate