Mortgage Underwriting, Processing, funding and Drawing loan docs

JAIME RAMIREZ

**** ******** ****** #*

Long Beach, CA 90806

Cell 909-***-****

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

OBJECTIVE:

To obtain a full time, permanent position with a growing company where my

skills, training and experience can be effectively utilized to reach my

professional goals.

SUMMARY OF QUALIFICATIONS:

. Over fifteen years of strong and diverse experience in underwriting,

preparing loan documents, funding, processing and management

. Proficient organizer of work and time

. Bilingual in English and Spanish

. Cooperative and productive team worker, but also work well

independently

EXPERIENCE:

Cognizant

04/14 to 7/14

Loan Servicing Analyst (Contract)

. Responsible for preparing a bulk analysis of first mortgage loans

which have completed the first payment loan modification agreement

and up-loading report to

Fannie website for investor review

. Corrected any errors that were flagged by investor in a timely manner

from reports that were previously Up-loaded

. Also verify that the Fannie Mae website reflects the new loan

modification terms and close the loan once the first loan payments

have been completed

Carrington Mortgage Services

11/2013 to 03/2014

Loan Modification Underwriter (Contract)

. Evaluated loan applications for risks and various criteria such as

investor requirements, accuracy, consistency and completeness

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Able to provide outstanding customer service in fast paced

environments

American Financial Resources

2/2013 to 11/2013

Remote Underwriter III

. Evaluated loan applications for risks and various criteria such as

investor requirements, accuracy, consistency and completeness

. Thorough communication with processors and Home Mortgage Consultants

with credit decisions whether loan was approved, countered,

suspended or denied

. Experience with income analysis with includes exposure to reviewing

self-employment, corporate, partnerships tax returns and asset

evaluation

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Reviewed and analyzed appraisals, preliminary title work, and purchase

contracts

. Able to provide outstanding customer service in fast paced

environments

. Worked additional hours as needed.

SunTrust Mortgage

7/2012 to 2/2013

Underwriter III

. Evaluated loan applications for risks and various criteria such as

investor requirements, accuracy, consistency and completeness

. Thorough communication with processors and Home Mortgage Consultants

with credit decisions whether loan was approved, countered,

suspended or denied

. Experience with income analysis with includes exposure to reviewing

self-employment, corporate, partnerships tax returns and asset

evaluation

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Reviewed and analyzed appraisals, preliminary title work, and purchase

contracts

. Able to provide outstanding customer service in fast paced

environments

. Worked additional hours as needed.

Wells Fargo Home Mortgage

2/2009 to 06/2012 Sr. Underwriter III

. Evaluated loan applications for risks and various criteria such as

investor requirements, accuracy, consistency and completeness

. Thorough communication with processors and Home Mortgage Consultants

with credit decisions whether loan was approved, countered,

suspended or denied

. Experience with income analysis with includes exposure to reviewing

self-employment, corporate, partnerships tax returns and asset

evaluation

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Review and analyze appraisals, preliminary title work, and purchase

contracts

. Responsible for Underwriting 3 Step, HARP, Conventional, and low risk

FHA loans

. Able to provide outstanding customer service in fast paced

environments

. Worked additional hours as needed

Freedom Debt Relief

10/08 to 02/09

Account Executive

. Pre-qualify potential clients by reviewing all statements for credit

cards and unsecured debt prior to submitting file for underwriting

. Prepared agreement for clients to sign and gather any outstanding

underwriting conditions to complete enrollment process

. Prioritize and monitored daily workflow in order to ensure all files

are being worked on in accordance with company's timeline expectations

. Able to provide outstanding customer service in fast paced

environments

. Worked additional hours as needed

COUNRYWIDE HOME LOANS 6/08 to 10/08

Workout Negotiator II

. Responsible for negotiating with current home owner and loan investor

on new

payment term to allow the homeowner to keep their home

. Prioritize and monitor daily workflow in order to ensure all loans are

being worked on in accordance with company's timeline expectations

. Maintain constant communication with customers and investors on status

updates and/or changes to the loan

. Able to provide outstanding customer service in fast paced

environments

. Worked additional hours as needed

REVENUE MORTGAGE

4/07 to 10/07

Underwriter/Processor

. Evaluated loan applications for risks and various criteria such as

investor requirements, accuracy, consistency and completeness

. Requested, review and verify all loan documents such as income,

credit, appraisal and title insurance

. Thorough communication with processors and Home Mortgage Consultants

with credit decisions whether loan was approved, countered,

suspended or denied

. Experience with income analysis with includes exposure to reviewing

self-employment, corporate, and partnerships tax returns and asset

evaluation

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Maintain constant communication with customers and loan agents on

status updates and/or changes to the loan

. Worked additional hours as needed

DB HOME LENDING

10/06 to 4/07

Account Manager

. Thorough communication with Home Mortgage Consultants and brokers with

credit decisions whether loan was approved, countered, suspended

or denied

. Requested, reviewed and verify all loan documents such as income,

credit, appraisal and title insurance, to ensure complete and accurate

information is in the file before it is sent to underwriting

. Obtained verification of deposit, verification of employment, credit

report.

. Prioritize and monitor daily workflow in order to ensure all loans are

being worked on in accordance with company's timeline expectations

. Maintain constant communication with customers and loan agents on

status updates and/or changes to the loan

. Ensure any necessary and critical changes which require redisclosure

have been accurately notated and checked in the loan origination

system for compliance purposes

. Coordinate loan closing with customers, title companies, and loan

agents

. Worked additional hours as needed

ARGENT MORTGAGE 06/00 to

9/06 Account Manager

. Thorough communication with Home Mortgage Consultants and brokers with

credit decisions whether loan was approved, countered, suspended

or denied

. Requested, reviewed and verify all loan documents such as income,

credit, appraisal and title insurance, to ensure complete and accurate

information is in the file before it is sent to underwriting

. Obtained verification of deposit, verification of employment, credit

report.

. Prioritize and monitor daily workflow in order to ensure all loans are

being worked on in accordance with company's timeline expectations

. Maintain constant communication with customers and loan agents on

status updates and/or changes to the loan

. Coordinate loan closing with customers, title companies, and loan

agents

. Worked additional hours as

. Filled in for the team lead when needed

NEW CENTURY MORTGAGE 08/96 to 5/00

Jr. Underwriter

. Evaluated loan applications for risks and various criteria such as

investor requirements, accuracy, consistency and completeness

. Thorough communication with processors, Home Mortgage Consultants and

brokers with credit decisions whether loan was approved, countered,

suspended or denied

. Experience with income analysis with includes exposure to reviewing

self-employment, corporate, partnerships tax returns and asset

evaluation

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Maintain constant communication with customers and loan agents on

status updates and/or changes to the loan

. Able to provide outstanding customer service in fast paced

environments

. Worked additional hours as needed

DIRECT FUNDING 01/95 to

07/96

Processor

. Works directly with underwriting, loan officers, settlement agents,

title, Loan center & Loan support areas

. Verified that conditions have been approved by the appropriate party

. Researched and resolved problems or complaints from internal and

external customers

. Prepared the funding package and coordinated the timing of the loan

funding request

. Excellent verbal and written communication skills and possess a high

degree of attention to detail

. Able to provide outstanding customer service in fast paced

environments

Worked additional hours as needed

Contact this candidate