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Manager Customer Service

Location:
Alhambra, CA
Posted:
October 31, 2018

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Resume:

MARTHA GOMEZ *** E. Mountain View Terrace. Alhambra, CA 91801

AKA MARTY Cell: 626-***-****

ac7khg@r.postjobfree.com

OBJECTIVE:

Seeking a dynamic position using my over 20+ years of experience in Mortgage Operations, Underwriting, Compliance and Risk Management to contribute to the success of your company QUALIFICATIONS:

FHA Subject Matter Expert Timely Delivery in Fast Paced Environment Effective Communicator VA Subject Matter Expert Time Management Organized/Detail Oriented Conv Subject Matter Expert Bilingual/English/Spanish Excellent Customer Service Manage Shifting/Multiple Priorities Employs Good Judgment ACHIEVEMENTS/SKILLS:

Microsoft Office, Word, Excel, and Outlook

Knowledgeable in Processing, Underwriting, Funding/Closing, Compliance, Risk, FNMA, FHLMC, and GNMA Investor Audit Requirements

Knowledgeable on Conventional, FHA, FHA 203K, VA, Bond, CalPers, DAP (Grants and City Seconds), and USDA Loan Programs

Supported originating Government and Conventional (Purchase and Refinances) loans nationwide

Certificates: FHA Direct Endorsement Certification (CHUMS) and VA Automatic Underwriter (LAPP)

Received several certificates and Achievement awards: Developing a dynamic branch operations team, Mortgage Expert, FHA Direct Endorsement, LAPP Training Program, VA Credit Training Course, 203K Rehab Loan Program, and award winner for Countrywide Diamond Pin Program

PROFESSIONAL EXPERIENCE:

Corp Senior Underwriter

Diamond Residential Mortgage Corp September 2017 September 2018

• Served as one of the primary Corporate and Delegated Underwriter for various Net Branches and Investors

• Provided guidance and assistance to all branch personnel, including Document Clerks, Processors, Funders, and Loan officers

• Responsible for conducting full and comprehensive evaluations for complex and high risk mortgage loan applications

• Recommended alternative options regarding loan structuring and financing solutions, in addition to reviewing and analyzing funding conditions

• Maintained heavy work load in a timely turnaround time frames and monthly underwriter pipeline

• Provided Underwriting Management monthly reporting on loan application status and decisions Senior Underwriter IV (Remote from home office)

Cherry Creek Mortgage August 2016 December 2016

• Served as one of the primary Corporate and Delegated Underwriter for various Net Branches

• Provided guidance and assistance to all branch personnel, including Processors, Funders, and Loan officers

• Responsible for conducting full and comprehensive evaluations for complex and high risk mortgage loan applications

• Recommended alternative options regarding loan structuring and financing solutions, in addition to reviewing and analyzing funding conditions

• Maintained work load in a timely turnaround time frames to include minimal underwrites and clear to close loans, and re underwrites

• Provided Underwriting Management with daily reporting on loan application status and decisions

• Pipeline estimated 80% Conventional and 20% FHA both purchases and refinances Senior Underwriter IV (Remote from home office)

First California Mortgage October 2015 April 2016

• Assisted with Investors suspended loans and review for any missing documentation, executed signatures, adhere to any HUD Tolerances

• Monitored the necessary or corrective action needed on missing information/documents

• Cleared suspended UW items with Investor until loan file was purchasable

• Assist with Post Endorsements Technical (PETR’s) to review and resolve difficult problems and questions

• Provided Operations training to underwriting and operations staff including mentoring lower level underwriters on credit decisions, department procedures and policies

• Provided responses to co-workers and was responsible to manager Investor Audits and clear deficiencies for insurability of loans Underwriter ll

OCMBC, Inc. Corporate February 2013 – March 2015

• Served as one of the primary Corporate Underwriter for various Net Branches

• Provided guidance and assistance to all branch personnel, including Processors, Funders, and Loan officers

• Responsible for conducting full and comprehensive evaluations for complex and high risk mortgage loan applications

• Delegated Underwriter for various Investor guidelines including Conventional and Government loans including underwrite complexed loans and insuring compliance to meet secondary market Investors

• Responsible for reviewing, analyzing credit, income, assets and collateral to insure all meet Investor and agency guidelines

• Assisted operations team and work close with loan originators to provide guidance in loan programs and guidelines

• Assisted Chief Operating Officer with (PETR’s) Post Endorsements Technical Reviews from HUD and any Investor Suspended loan from previous employee’s

• Trained new hired underwriters with System and Investor/agency guides

• Responsible for daily pipeline reporting to Senior Management and Funding Managers Senior Mortgage Underwriter ll / Corporate Underwriter Bank of America FKA Countrywide Home Loan April 2008 February 2013

• Delegated Government Underwriter Level ll responsible for all FHA purchases and refinances, including Streamline loans.

• Responsible for reviewing, analyzing, approving and underwrite difficult / complex residential loans

• Ensure loans met Compliance requirements for secondary market Investor standards by examining loan documentation for accuracy and completeness

• Worked with Loan Originators and/ or Production Staff to satisfy and obtained all of the required documentation

• Held Exception Authority to withdraw and decline loans if no exception are unable to be granted

• Other typical functions include: Reviewing financial statements, credit reports, and applicable ratios. I ensure that all documents are consistent and uphold to company and industry guidelines, implement fraud detection techniques, and perform compliance reviews

• Worked with Loan Originators and Branch Manager in assisting with loan re negotiations on lending guidelines. I also serve as consultant technical resource on difficult problems and questions, and provide training to underwriting and operations staff including mentoring lower level underwriters on credit decisions, department procedures and policies Branch Assistant Branch Manager/ Senior Underwriter COUNTRYWIDE HOME LOANS January 1997 February 2001

• Responsible for overseeing daily branch operations and day to day activities of the loan specialist and supervised daily closings

• Maintained all monthly projections to insure our targeted funding goals

• Assisted in clearing branch deficiencies to make loans insurable and salable

• Trained all Loan Specialists, Funder, Shipping Clerk and Temporary employees in all aspects of job duties

• Facilitated weekly staff meetings with Branch Manager and managed team as needed with training and approved all staff timecards and yearly employee reviews

• Responsible underwriting all in house loans originated including all telemarketing loans

• Resolved and answered all phone inquiries from customers, Telemarketing Reps and Real Estate Agents

• Assisted Loan Specialist with drawing closing documents and funded loans during high peak and heavy volume References can be requested upon request



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