PROFESSIONAL SUMMARY
As a forward thinking professional with more than 8 years of residential &
commercial underwriting, mortgage processing and as a real-estate community
analyst, I continue to study, research and master my craft as a complete
real-estate financial specialist. I have been a manager and an executive
in Operational Management for the Banking Industry, Mortgage Industry, and
the Secondary Money Markets while serving as a Mortgage Consultant for
Community Developers and Realtors.
MORTGAGE SKILLS AND KNOWLEDGDE
DE Certified FHA 203k Certified Mortgage Auditing &
Forensics
NMLS S.A.F.E. Master Mortgage Client File Management
Underwriter
Advanced DU/DO Credit Analysis/Credit Calyx Point & Encompass
HECM Certified Examiner Total Quality Management
Reverse Vision Software Advance Microsoft Office
Suite Pre & Post Mortgage
FNMA & FHLMC Strategist Auditing
PROFESSIONAL EXPERIENCE
AAG - American Advisors Group . Kennesaw, GA
2013 - Present
Production & Compliance FHA Underwriter:
As the FHA/DE and Conventional Underwriter my primary responsibility was
underwriting files in accordance with FHA and AAG Guidelines while
providing support in conjunction with Processing, Funding, QC and Post
Closing.
> Responsible for underwriting files and establishing conditions to meet
both FHA and AAG Guidelines.
> Ability to make timely, accurate decisions on all Mortgage Loan
Transactions.
> Evaluate risk and ensure quality of each loan.
> Communicate appropriate requirements and/or decisions on all loan
files.
> Responsible for reviewing all areas of the mortgage loan to ensure
accuracy, completeness and compliance with internal and regulatory
guidelines, including but not limited to Application, Title,
Appraisal, Assets, Credit, Condominium Information and Income.
> Adheres to service level agreements and prioritizes workflow in
accordance to clear to close files and new files.
> Maintain quality control standards while maintaining production
standards by company's definition.
Good Friend Mortgage . Alpharetta, GA
2013 - 2013
Mortgage Specialist & Consultant:
As a NMLS S.A.F.E. Compliant Mortgage Consultant and I work with more
than 29 lenders and completing post audit reviews of conventional and FHA
mortgage loan files using DU and performing manual underwriting analysis.
While acting in the capacity as a consultant I provide staff training
and assisted staff underwriters with questionable files that were DU
Refer with Caution and DU Approved Ineligible.
Serenity Mortgage Group & Investments . Coral Gables, FL
2006 - 2012
Senior Underwriter and General Manager:
As the Senior Underwriter and General Manager my primary responsibility
was providing leadership, support and guidance to the underwriting team
and support staff of 13 team members and interpreting and implementing
guidelines and overlays for the underwriting team. In addition I was
responsible for ensuring that the underwriting team complies with the
goals, objectives and standards of the organization in order to meet
customer satisfaction and deadlines.
> Managed the Day-to-Day operations and provided ongoing team training
on of 13 Staff personnel Fannie Mae, Freddie Mac, FHA and Non-
Conventional loan products.
> Completed daily and weekly quality control reviews of other
underwriters within the department.
> Evaluated the subject property's appraisal, financial strength and
credit-worthiness of W2 and 1099 borrowers.
> Developed strategies for improving loan production, hiring,
tenure, promotion, and evaluation of staff.
> Analyzed applicants' financial status, credit, and property
evaluations to determine feasibility and Integrity of granting and
approving loans, via 1003, Bank statements, Verifications, and Uniform
Credit Checks.
> Completed Desk Audits, Unofficial GAAP Audits, and Post Loan File
Audits using the final HUD.
> Completed underwriting review for Government and Non-Governmental
funding programs.
Empire Lending Group . Miami, FL
2002 - 2006
Real-Estate Analyst and Residential & Commercial Underwriter:
> Prepared commercial loan packages and submissions for presentations to
lenders.
> Prepared market analysis reports, including vacancy, absorption, and
companies rents and sales.
> Reviewed an Analyzed legal documents and third party reports as part
of the due diligence process.
> Prepared Financial Modeling of current financials and information for
the most complicated financial information and documents.
> Provided a summary of projected future performance of your Real-Estate
investment with conclusions and recommendations.
> Provided information regarding market data, occupancy data, expense
analysis, aerials, maps and rent/sales comparable.
> Created and provided due diligence checklist to be provide to include
weekly follow-ups with checklist status.
> Organized and packaged information from clients while verifying the
accuracy and completeness of the documentation received.
> Recognized and resolved issues and worked with clients to find
solutions to deal obstacles.
> Interacted effectively with the Investor, borrowers, attorneys and
other third parties as applicable.
Sunrise Community . Miami, FL
1999 -
2002
Leasing Consultant & Property Coordinator:
> Completed lease forms and or agreements and collected rental deposits.
> Maintained ongoing current knowledge of current market conditions,
rental rates, sizes, locations and all amenities of the properties.
> Maintained thorough knowledge of lease terms, specifications, and all
community policies.
> Conducted weekly outreach marketing and designed ongoing retention
programs for community residents.
> Efficiently completed the processing of all required administrative
forms, reports, any community property rental information.
EDUCATION & PROFESSIONAL DEVELOPMENT
Completed Executive-Level course work in:
Master Mortgage Underwriter Financial Auditing
Administrative Monitoring Federal and Non-Federal GAAP
Financials
FHA 203k Training Logistics and Procurement
Quantitative Strategic Planning Quality, Productive and Competitive
Positioning
Mortgage University . Laguna Hills, California
2012 - 2013
Certified Master Underwriter
Certified FHA Direct Endorsement Underwriter
Advance Conventional Underwriting
FHA Credit Examiner
FHA/VA Quality Control
Excelsior College . Albany, New York
2013 - Present
Global Business of Finance MBA Dual Degree
Completed Some College Course Work
PROFESSIONAL ASSOCIATIONS & COMMUNITY SERVICE
National Association of Mortgage Underwriters Brokers . National
Association of Mortgage Brokers . NMLS Registration
REFERENCES AVAILABE UPON REQUEST
O. Osiris Ballard, 4851 Peachtree Drive, Buford, GA 30518
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