Trina K. Rajadurai

Sacramento, CA *****

916-***-****

ac8jfz@r.postjobfree.com

NMLS #339117

https://www.linkedin.com/in/trinarajadurai/

SENIOR UNDERWRITER

Mortgage Underwriting professional who thrives in a dynamic work environment. Handle multiple tasks and high volumes with ease and efficiency. Detailed oriented, resourceful and self-motivated with proven experience specializing in investor specific guidelines.

HIGHLIGHTS

Secondary Marketing: Sold pools of loans to FNMA and FREDDIE MAC; recipient of the Best and Brightest award. Saved the company $1.5mm on an assignment project. Wrote Policy and Procedure.

Underwriter: Reviewed Complexed Mortgage Loans (including self-employed and multiple investments) to ensure acceptable credit standards were maintained and loans conformed to established company/ investor guidelines. Used credit and financial information to verify continuing credit-worthiness. Reviewed title, purchase contracts, appraisals, and provided recommendations to Senior Management when loans required an exception to investor guidelines. Received two Service Excellence Awards for customer service; as a result, attended the Service Conference in Florida and Arizona.

Leadership and Training: Mentored 18+ local employees on the Loan Solutions process. Each employee had to underwrite, process, and close loans. Trained the Florida office on the same process.

Inside/Outside Sales: Loan officer. Consistently exceeded goals each month; always the top performer. Sold between $1.5mm and $2.4mm each month and $65k in credit life insurance monthly.

Negotiations: Short sale, short refinances, in the loss mitigation department. Effectively communicated with Attorney’s agents, escrow companies and borrowers to reduce investor loss.

Loan Processing: Reviewed income, credit, appraisal and title prior to submitting to underwriting. Worked with loan officers, title companies, and attorney.

Call Center: Essential member serving in a call center environment; called clients to negotiate payment arrangements on their mortgages. Exhibited proficiency in translating individual needs into responsive, customized solutions.

15+ Years Mortgage Experience: Front Line Underwriter, Complex Mortgage Loans, Collateral Review, Risk Assessment, Credit and Income Analysis, Funding, Documentation requirements, and closing. Extensive background in TRID, AML, ADA, OFAC, ECOA, HMDA, BSA, FACTA

EMPLOYMENT HISTORY

WELLS FARGO Senior Underwriter III Dec 2010 – Oct 2018

BARCLAY’S DBA HOMEQ SERVICING Loss Mitigation Specialist Apr 2008 – Nov 2010