POLLY BACKY

Mission Viejo, California

949-***-****

ac7mfj@r.postjobfree.com

OBJECTIVE:

I am looking to obtain a challenging and rewarding position where my skills, knowledge, and experience will be a valuable asset to your organization.

KEY ATTRIBUTES, TRANSFERABLE SKILLS & BUSINESS INTERESTS:

PROFESSIONAL EXPERIENCE:

DE Underwriter

Caliber Home Loans – Mission Viejo, CA August 2016 – November 2018

Primary Activity: I averaged 2.55 new files per day while maintaining a 24-hour turn time on conditions. The products I underwrote were FHA, Conventional, Jumbo, Non-Agency, and Manufactured Homes for the Wholesale and Correspondent divisions.

DE Underwriter

Stonegate Mortgage, Lake Forest, CA February 2015 – August 2016

Primary Activity: My responsibilities were to underwrite 2 new FHA loans a day while maintaining a 48-hour turn-time on conditions. I also underwrote Manual FHA loans. I reviewed all loan documents for accuracy and compliance and had close interaction with account executives, loan officers, brokers, borrowers and processors and maintain a high level of customer service.

Underwriter

Blue Point Mortgage, Irvine, CA September 2014– February 2015

Primary Activity: My responsibilities were to underwrite 2 – 3 new loans per day and maintain a 24-hour turn time on conditions. I underwrote Conventional and high balance loans. I also manually underwrote jumbo loans to the Investor guidelines for both purchase and refinance transactions, while maintaining excellent customer service with my brokers, account executive’s, and account managers.

Sr. Account Manager II

Loan Depot, Foothill Ranch, CA June 2014 – September 2014

Primary Activity: My responsibilities were to pre-underwrite the loans and run DU/LP, call the borrower to collect all the conditions, set up escrow and title, order VOE’s, VOM’s, MI, and credit supplements, submit the loan to underwriting for final approval, set up notary to sign loan docs with the borrowers, draw docs and send all required documents to escrow for the signing, and collect any outstanding funding conditions

Underwriter

New Penn Financial, Irvine, CA July 2012 – October 2013

Primary Activity: Responsible for underwriting 3 new loans a day while maintaining a 24-hour turn-time on conditions. Ran automated underwriting with Desktop Underwriter and Loan Prospector.

Major Accomplishment:

* Top producer in November 2012.

* Trained Jr. Underwriters

Underwriter

Icon Residential, Irvine, CA November 2010 – July 2012

Primary Activity: Underwrote 3 Conventional loans a day in a paperless environment. I have extensive knowledge of personal and business tax returns, multiple properties, and multiple borrowers. Pulled GSA/LDP’s, 4506’s, and ordered Mortgage Insurance when applicable. Maintained posted turn time on conditions, and assisted account executives, loan officers, and brokers with any questions they might have.

*FHA/CHUMS Designation

*Quick Decision Making

*Production & Goal Oriented

*Excellent Written & Verbal Communication

*Detail Oriented

*Data Trac, Lending QB, Encompass

*Proficient in DU, LP & Point

* Customer Service Focused

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