Mortgage Banking Underwriting Supervisor
Resume:
Yoleiny Holinski
East Meadow, NY *1554
Tel: 914-***-****
Email: ********@*****.***
Qualifications: I specialize in training underwriter to become effective
underwriters with low error rates. I have excellent analytical,
interpersonal, written and oral communication skills. Proficient
in reviewing business and personal tax returns, MS Office,
including Excel and strong computer skills. FNMA, FHLMC, FHA,
VA, GNMA Guidelines and Fair lending laws and regulations such
as Dodd Frank, KYC, HMDA, RESPA, ECOA.. Bilingual: Spanish
Education: Bachelor of Science in Accounting GPA 3.5
Empire State College October 2014 - June 2016
Associate of Science in Business Management
Administration
Berkeley College 1999 - 2001 White Plains, NY
Experience:
06/2010 JP Morgan Chase, Garden City, NY
To Underwriting Manager
Present Responsibilities:
*Assess level of risk on loans for possible exception within
company tolerance
*Ensure to have open weekly communications with staff on any
process/procedure changes, updates and new business goals within
the team.
*Ensure to follow AML/KYC requirements on all transactions.
*Validate all client data and supporting documentation is
appropriately recorded and stored on proprietary systems
*Ensure to evaluate client AML/KYC risk
*Continuously coach and mentor underwriters to strengthen areas
that require improvement
*Evaluate cash flow analysis on multi-families residence
*Review credit letter of recommendation from underwriters for
loan amounts over 2.5 million for executive approval.
02/2010 Meadowbrook Financial Mortgage Bankers, Baldwin, NY
To DE Underwriter
06/2010 Responsibilities:
* Reviewed and analyzed special conditions, loan deficiencies
and exception-requests to determine appropriate courses of
action.
*Ensure to underwriter loans are free of errors to maintain a
low error rate.
*Made decisions on exceptions when applicable within investor's
guidelines flexibility.
11/2007 Ideal Mortgage Bankers, Melville, NY
To DE Underwriter
12/2009 Responsibilities:
* Served as a consultant and answered basic underwriting
questions for loan processors.
*Reviewed appraisals thoroughly to ensure properties are within
FHA, VA, and Conventional requirements.
*Performed final review on VA loans for accuracy before shipping
to the VA office.
*Made decision on both manual and AUS Approved loans for FHA.
*Participated in special projects with delinquent borrowers to
keep their homes under the Hope for Homeowner program (H4H).
04/2007 Delta Funding, Inc, Woodbury, NY
To DE Underwriter
11/2007 Responsibilities:
*Assessed loan attributes and documentation for soundness and
accuracy.
*Finalized and satisfied all loan stipulations and submissions
to confirm they met AUS findings and were within FHA
requirements.
*Worked closely with processing and loan officers to ensured
full understanding of FHA requirements on different scenarios.
03/2005 Fremont Investment and Loan, Elmsford, NY
to Underwriter
04/2007 Responsibilities:
*Worked closely with Account executive and Brokers staff as it
relates to program knowledge and problem resolution.
*Reviewed loan-to-value, ratio, credit reports, applications,
etc., to ensure that each loan met secondary market, investor
and company standards.
*Finalized and satisfied all loan stipulations and submissions
to confirm they were within lender compliance
4/2003 Apple Mortgage Corp., New York, NY
to Jr. Underwriter
03/2005 Responsibilities:
*Provided customer service to prospective and existing borrowers
to keep the customer informed of loan status
*Developed and administered accounts to maintain thorough
details about the contacts within the banks
*Assisted underwriter by collecting information on applicants
and evaluating routine applications under the supervision of an
experienced risk analyst.
*Reviewed Coops, Condos, SFR, Multi family Dwellings loans.
9/2001 Global Consultants, Mamaroneck, NY
to Mortgage Processor
4/2003 Responsibilities:
*Trained new employees to process and stack files in order to
ensure a smooth process to closing.
*Made sure all conditions were met and satisfied with the
appropriate lenders.
*Answered borrower's inquiries and concerns to promote a good
customer experience
References upon request
Contact this candidate