underwriter

Dawn Alexander

***** ***** **** **** #****, Jacksonville, FL 32256, 904-***-****

*******************@*****.***

Objective:

To acquire the position of Internal Auditor.

Work History:

Remote Senior Underwriter

Lender Live October 2012 – November 2013

Provided excellent customer service to clients.

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Perform data Input and analysis of findings in Desktop Underwriter

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Review of credit reports to determine credit patterns, current liabilities, outstanding judgments

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and collections.

Review of residential mortgage appraisal forms 1004, 2055, 2065, 2075, 1025, 1073, 2000, and

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AVM’s.

Calculate of Loan to Value ratios.

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Analyze income from salaried, commissioned, self-employed, investments, fixed income

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sources.

Analyze assets statements for all types of asset accounts.

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Reconcile findings with published guidelines to address/resolve variances.

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Meet department performance standards.

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Senior Consumer Underwriter 4

Wells Fargo April 2012 – September 2012

Provided excellent customer service to customers and internal staff.

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Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex

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individual consumer requests and products within company and industry guidelines.

Functions include reviewing financial statements, credit reports, and applicable ratios (i.e. Debt

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ratios, loan-to-value); examining and evaluating transactions to ensure accuracy and

completeness; preparing formal reports for review; ensuring that documents are consistent and

adhere to company and industry guidelines; implementing fraud detection techniques,

performing compliance reviews; assisting with re-negotiations of loans based on lending

guidelines; contacting customers and partners to gather information to make appropriate

decisions, explain rationale behind credit decision.

Provide work direction and/or training to lower level team members and provide performance

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feedback to manager.

Underwriter

JPMorgan Chase 2010 – 2012

Provided excellent service to customers, attorneys, mediators and judges.

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Review credit reports, values, titles and income documents in order to ensure borrowers meet

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certain established criteria for FHA, VA, USDA, FHLMC, FNMA, Private Investors and Bank

Owned Loans

Recommend approval or denial

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Manage and perform multiple tasks accurately in a fast-pace environment.

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Responsible for meeting and exceeding company standards for production, performance quality,

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timeliness and accuracy of work product reporting.

Underwriter- Condo/ Co-op Review

Bank of America 2007- 2010

Provided exemplary customer service to both internal staff and external customers by

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explaining project decision. Offered alternative options when available. rovided excellent

customer service to internal staff.

Followed Condominium/Co-op policy and procedures established by FNMA and bank policy.

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Performed compliance management processes for condominium and co-op reviews and

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resubmissions within a timely fashion.

Analyze challenging condo and co-op projects to render sound credit solutions.

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Analyze financial statements for co-ops and budgets for condo projects

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Actively cooperated and interact with all entities of the bank and outside the bank.

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Utilized Fannie Mae and FHA tools, the Condo Information Center (CIC) Web Site, SharePoint,

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Lotus Notes, Status Mart, LPS, file net/AWD, Watch List Manager, etc. to assist with job

function.

Adequately and effectively explained declines in writing and verbally while still maintaining a

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positive relationship with customers and peers.

Jr. Underwriter- Home Services Specialist II

Bank of America 2002 - 2007

Provided prompt, courteous and excellent customer service.

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Processed consumer real estate loans approved by an Underwriter or an automated

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decision system.

Credit signing authority within delegated limits.

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Responsible for clearing conditions and issuing changes to the terms on previously

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approved loans.

Responsible for verifying conditions of approval such as income/assets documentation,

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reviewing the appraisal, resolving routine title issues, and resolved appraisal disputes;

coordinated closing activities.

Performed closing functions.

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Declined loans when necessary.

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Met or exceeded company goals on a consistent basis.

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