Edward Nishanian

***** ******* **. ***** *****, CA 91343 Cell818-***-****

ac7l2q@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Results-driven and motivated Banking Professional with over 30 years of mortgage, finance and accounting experience in both service and manufacturing organizations. Excellent history of progressively increased responsibilities in technical and administrative management positions with outstanding leadership ability and analytical problem-solving skills.

EMPLOYMENT

Sierra Pacific Mortgage July 2016 – August 2018

Senior Underwriter

Underwriting Fannie and Freddie conventional loans Wholesale, Retail and Correspondent loans. Working with Account Executives, Loan Officers, Sales team and Brokers to ensure compliance with agency guidelines.

Prospect Mortgage

Senior Jumbo Underwriter January 2012 – March 2016

Underwriting residential jumbo loans for specific jumbo investors delegated for loans up to $2.0 million and some non-delegated with other Jumbo Investors. Working with LO’s and sales team to ensure compliance with jumbo investors’ guidelines.

Bank of America Home Loans July 2009 – January 2012

Senior Underwriter

Underwriting residential loans and ensuring compliance with appropriate company and secondary market investor standards. Working with loan originators and LO’s to secure all required documents. Chosen as one of CIG (Corporate Investment Group) underwriters for special review/approval of non-conforming loans up to $1.5million. Also held responsibility as the Area Operation Center’s delegated underwriter for reviewing loans which require mortgage insurance.

Operational Support Services - Provincial Reconstruction Team (PRT 2)

Bilingual Economic & Community Advisor – Subject Matter Expert April 2008 – June 2009

Participated in rebuilding Iraqi public and private sector institutions in Mada’in County.

Promoting private sector development with emphasis on capacity building and sustainability. Promoting economic development in coordination with U.S. Military, U.S. Department of State USAID, USDA and various U.S. Government agencies and Iraqi Non-governmental Agencies. Supported micro, small and medium enterprise sectors with emphasis on employment generation potential by increasing access to capital and finance sources. Participated in creating micro finance offices in Mada’in Province.

IndyMac Federal Bank Jan. 2008 – April 2008

Auditor – Quality Control Underwriting

Reviewing existing contracted loans for conformity, misrepresentation and adherence to Bank’s guidelines and procedures. Examined all previously underwritten loans and scored each loan for accuracy, completion, and risk mitigation.

Countrywide Home Loans, Inc. 2001 - 2007

Assistant Underwriting Manager, Correspondent Lending Division 2005 - 2007

Responsible for second tier underwriting reviews of prime, equity, and prior approved loans. Coordinated exception reviews with senior management to determine acceptability of high-risk loans. Managed loans in the underwriting queue to ensure production efficiency exceeded expectations and ensured appropriate turn times were met while mitigating risk exposure to the Bank. Prepared and analyzed management reports to ensure efficiency and service levels were adhered to.

Senior Underwriter, Correspondent Lending Division 2001 - 2005

Underwrote prime and equity loans to insure loans met Agency and Countrywide Bank guidelines. Trained new underwriting staff and assisted the existing ones in guidelines, policies and procedures along with key factors for mitigating risk exposure to the Bank.

EDUCATION

Master of Cost Accounting 1973 – 1975

Baghdad, Iraq

Bachelor of Science in Business Administration 1968 - 1972

Baghdad, Iraq

CERTIFICATIONS

Member Institute of Management Accountants 1991 - present

Income Tax Preparation, H & R Block 1991

IMSG Management Development Program, Countrywide Home Loans 2006

ADDITIONAL SKILLS

Extensive knowledge in Microsoft Excel and Word, Lotus Notes, Quick Books Pro and several proprietary applications designed for mortgage banking originations and underwriting.

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