Mortgage

Elena Johnson

Phone: 210-***-****

E Mail: ****************@*****.***

Driven professional Consumer Loan Underwriter with twelve years’ experience in the lending, loan servicing and default areas of

mortgage lending. Experience included four years of underwriting government and specialty loans along with bankruptcy and

foreclosure loans. Five years’ experience as a trustee associate executing non judicial homes in foreclosure.

Loan Processor

Priority home Mortgage San Antonio, TX 5/2014 11/2014

• Initial setup of construction loans for newly built homes.

• Processed loans effectively and timely ensuring company and investor guidelines were adhered to.

• Analyzed initial documents and disclosures along with loan application, credit report, and income.

• Calculate income from all income sources. Confirm correct income documentation was received and satisfactory to

Investor (FHA, VA) standards.

• Processed VOE’s, VOM’s accurately.

• Ordered, reviewed appraisals and title policy.

• Packaged loan thoroughly for underwriter ensuring any and all conditions were met and completed.

• Dependable liaison between borrower, loan officer, sales agent and closing agent.

• Planned, managed and organized pipeline daily ensuring deadlines were always met.

• Assembled all final documentation for closing.

Consumer Loan Underwriter III FHA/VA Team Lead

Wells Fargo Home Mortgage – San Antonio, TX 8/2009 – 11/2013

Review, analyze, underwrite and approve complex loans within approved lending authority and guidelines.

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Evaluate financial statements, credit reports, debt to income ratios.

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Selected to underwrite at numerous Home Preservation and NACA workshops which involved 50% travel nationwide to

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interview borrower, underwrite and render underwriter decision onsite.

• Excellent time management and organizational skills demonstrated in my ability to balance a pipeline filled with event

and specialty loans.

• Achieved highest level of (internal) Delegation A, B & C.

• Provided meticulous attention to detail; exercised good judgment consistent with Wells Fargo home mortgage risk

philosophy and policies.

• Evaluated the financial strength of borrowers to determine risk and repayment capacity.

Consumer Loan Underwriter –ELOC

Wachovia – San Antonio, TX 1/2008 – 12/2008

Analyzes complex financial and credit information, reviewing financial statements, credit reports, and applicable ratios

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(i.e. Debt ratios, loan to value).

• Experience with income analysis including exposure to reviewing Self employment, Corporate, and Partnerships tax

returns.

• Strong interpersonal skills to follow through with borrowers, loan processor, officers and management throughout all

phases of underwriting.

• Ability to work in a fast paced, production environment.

• Implementing fraud detection techniques, performing compliance reviews.

Trustee Sales Officer Trustee Dept.

World Savings/Golden West – San Antonio, TX 2/2002 1/2008

Processing of Non Judicial foreclosures according to state Civil Codes.

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Increased department revenue by facilitating in two large projects, the states Washington and Texas into the department

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portfolio.

Processing of accounts receivable, payable and reconciliation of daily and monthly reports.

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Review and execute mortgage loan and foreclosure legal documents including loans in bankruptcy.

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Prepare written communications on REO properties.

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Contact this candidate