Customer Service Mortgage Underwriter
Resume:
Crystal Peyton
Irvine, CA 92614
**********@*****.***
Skills Summary
*Certificate of FHA Fundamental
*Strong DU/LP, & Jumbo Knowledge
Employment
Nationstar Mortgage, Irvine, CA (wholesale)
Remote Senior Mortgage Underwriter 11/2012 - 9/2013
*Evaluate loan level risk and establish final loan decision
*Review and analyze assets, tax returns, tax transcripts and/or other income documents,
preliminary report, purchase contracts
*Underwrite loans over 1 million (Jumbo)
*Review and analyzing appraisals, title, income, purchase contract, ect..
*Making decision base on agencies and proprietary underwriting guidelines
*Issuing loan approval, counter offers, or denials
*Perform high-balance, conforming, non-conforming/Jumbo, and HARP underwrites
*Review and clear prior to documentation and funding conditions and send updated
approval.
*Assess fraud report and review for any suspicious activity according to company policy
Commercial Credit Officer(Pilot Project)
*Perform risk evaluation, formulating & implementing workout strategies for
commercial loans application(SBA Loans).
*Analyze complex business & personal financial statements & tax returns.
*Monitor credit relationship with a 90% inventory turnover ratio.
*complete extensive portfolio research, ensuring loans meet credit guidelines.
ISGN
Remote Senior Mortgage Underwriter(wholesale) - 08/2012 - 11/2012
*Analyzes all necessary financial and credit data to make credit decision
*Ensure compliances with established loan policies, & credit limit,
*Manage expected service levels related to decision, condition clearing, & email
responses.
*Work independently with minimal supervision, dual monitors, remote desktop.
*Review/audit closed loans.
Wells Fargo, Costa Mesa, CA (wholesale)
Contract Senior Mortgage Underwriter (traveler)-09/2011 - 07/2012
*Analyze and review documentation in file to verify accuracy of application and support
underwriting decision.
*Review and analyze assets, tax returns, tax transcripts and/or other income documents,
preliminary report, purchase contracts
*Perform loan file review and underwriting to determine compliance with investor
guidelines, underwriting policy and procedures(Jumbo)
*Review and clear prior to documentation and funding conditions & send updated
approval.
*Run Desktop/LP with updated calculations, appraisal value prior to final approval
Ensuring both DU//LP and AUS system match.
*Assess fraud indicator and report suspicious activity according to company policy
*Re work files base on changes and updates to loan term, and conditions reviewed
*Issue loan approvals base on the overall worthiness of borrower(s)
SVS, Chase Bank, Troy, MI (paperless)
Contract Senior Mortgage Underwriter - 10/2010-7/2011
*Used internal underwriting system along with desk top underwriting & LP underwriting.
*Analyze challenging loan files to render sound credit solutions
*Review credit, income/tax returns, appraisals, title, and assets to render a decision.
*Perform timely reviews of conditions submitted as well as loan resubmissions.
*Provides exemplary customer service to both internal staff & external customer by
Explaining credit decision and offering alternative options when needed.
Bainesbridge, Wells Fargo, MN (retail)
Contract Mortgage Underwriter IV (traveler)11/09 -2/10
CSI, Wells Fargo, Springfield, IL (wholesale)
Contract Mortgage Underwriter IV (traveler)10/08 – 08/09
*Approved loans for approval or decline all 50 states
*Review income, appraisal, purchase contracts, title, and assets
*Communication with the broker for approval, decline and closing
Clients First, Realtors(Remerica Country Place) - MI
Realtor/Part-time (07/2007 - 08/2011)
*Successfully guided homebuyers and sellers through the sale and purchase of
properties.
*Generated lists of properties that were compatible with buyers' needs and
financial resources.
*Coordinated appointments to show homes to prospective buyers.
*Established positive flow of communication with other agents, buyers and sellers,
mortgage officers, title personnel and attorneys involved in the home buying & selling
process.
*Presented purchase offers to sellers for consideration.
*Negotiated contracts on behalf of clients.
*Coordinated property closings, overseeing signing of documents and disbursement of
funds.
PMI/Citi Mortgage, Southfield, MI
Mortgage Insurance Underwriter/Contract 12/06 – 9/08
*Condition loans for approval, denial per DU/LP, ALT A, Jumbo
*Review title, appraisal, purchase contract, floods, and subordination agreements
*Complete intro calls to broker to disclose loan approval, loan goals, and closing date
*Initial Underwrites (2-4 daily) Conditions (8-10 daily
*Provide Mortgage Insurance
Decision One/HSBC
Underwriter (Sub-Prime/Foreclosure) 1/05 - 11/05
*Evaluate loan parameters against guidelines according to product type select by broker
*5-8 initials/restructures loan daily
*Determine credit worthiness in relation to current & past income, assets, past credit
history, and employment.
*Communication with broker of loan’s failure to meet guidelines, and assist in
determining alternative products.
Quicken Loans/Rock Financial
Senior Underwriter/Team Lead 12/01 – 1/04
*Approved, suspended, conditioned & denied loans nationwide.
*8-10 initials underwrites daily, 4-8 final signoff’s daily
*Trained, monitored, and evaluated processor pipeline, initial client contact reports, client
processor relation surveys & client problems resolved inbox
*Update daily/monthly goals from processor and closer.
Contact this candidate