TABITHA STARKEY

***** *********** ****, *****, ** 32097 Cell: 904-***-**** acfcu1@r.postjobfree.com

Dynamic and highly qualified Mortgage Underwriter with 5+ years experience in complex income analysis with extensive knowledge in manual and automated systems underwriting.

Cash flow analysis

CHASE Jacksonville, FL Sr Specialty Underwriter

Review complex conventional, conforming high balance, jumbo and non-agency loan submissions ensuring the meet company and investor guidelines.

PHH MORTGAGE Jacksonville Level III underwriter

Underwrite loans using DU and LP automated systems then review findings and verify all agency documentation requirements were met.

AHMSI Jacksonville, FL Default Cash Specialist

Communicate with Attorney and Title Companies via phone and Process Management

CHASE / WAMU Jacksonville, FL Workflow Specialist

Used MSP exclusively to apply and reverse payments.

SUMMARY

HIGHLIGHTS

Analytical Equity and fixed income research Detail-oriented

EXPERIENCE

Review and clear conditions based on documentation provided. Determine if hard or soft exceptions can be made based on overall risk. Analyze personal and business tax returns to establish an income stream, and review year to date financial to verify stability. Maintain extensive knowledge of agency and corporate selling guidelines to ensure all credit decisions meet compliance standards.

Analyze Corporate tax returns for Self Employed borrowers to establish income. Provide 2nd reviews on files to determine if salable exceptions could be made. Communicate loan decisions to loan processors and mortgage bankers.

Worked with Loss Mitigation Loan Counselors to ensure correct instructions were given for Short Payoff and 3rd Party Payoff funds Provided posting instructions for foreclosure and bankruptcy funds to the Cash Department Created Visio charts for Managers throughout the department.

Managed direct reports, projects and work load to ensure daily production was met. Updated and maintained production spread sheets. Conducted weekly quality audits for all team members. Tested new MSP (LPS) procedures and system enhancements. Created a bank reconciliation tracking system using excel and trained all team members to use the system. Balanced PCA's (posting clearing accounts)

EDUCATION

Risk management expertise

Advanced accounting background

MS Excel expert

Expert in MS Office Suite

11/2009 to 02/2014

03/2009 to 10/2009

10/2005 to 03/2009

02/2013 to Current

2015 BACHELOR OF SCIENCE: ACCOUNTING Florida State College, Jacksonville, FL, USA

2004 US NAVY VETERAN, Jacksonville