Real Estate Manager

KATHLEEN CHIU

P.O. Box *****, San Francisco, CA *4116

Cellular Phone: 415-***-****

Email: ********@*****.***

WORK EXPERIENCE:

**/**** – 01/2014 WELLS FARGO HOME MORTGAGE

*** ** ******* ***ve, Vancouver, WA 98683

Consumer Lending Underwriter II - Signing Authority - Conforming.

Underwrite Conventional Mortgage Conforming Loans, Conforming using CORE, Wells Fargo’s

Automatic Underwriting System, DU, LP, FHLMC/FNMA, Fixed & ARM programs. Review loan

documents & analyze borrowers’ eligibility, income, credit profiles, assets, Title Reports and

Appraisals. Review & sign off conditions, working with Loan Officers, Loan Processors & Closers

With Underwriting questions & problems, etc.

12/2012 – 03/2013 Personal Leave.

10/2010 – 11/2012 ACCENTURE CREDIT SERVICES / Formerly ZENTA MORTGAGE SERVICES

Outsourcing Company Working under Citibank/CBNA

8215 Forrest Point Blvd., Charlotte, NC 28273

Sr. Mortgage Underwriter - Signing Authority - Conforming.

Retail - Underwrite Conventional Mortgage Conforming Loans, FHLMC/FNMA, Fixed & ARM

Programs. DU, Automated Underwriting Systems and manual underwriting. Review loan

documents & analyze borrowers’ eligibility, income, credit profile, assets, Title Reports and

Appraisals. Absolute paperless environment with on-line underwriting process. Review & sign off

conditions, working with Loan Officers, Loan Processors & Closers with underwriting questions &

problems, etc.

10/2007 – 09/2010 Taking care of ailing parent.

08/2005 – 09/2007 ABSOLUTE MORTGAGE BANKING

550 South California Avenue, Suite 150, Palo Alto, CA 94306

Sr. Mortgage Underwriter - Signing Authority to $1 Million / Super Jumbo.

Both Wholesale & Retail environment; underwrite conventional

mortgage loan files, Conforming / Jumbo, Fixed & ARM programs; communicate & work with both

Investors & Lenders; analyze borrowers’ income, credit, asset and property profiles; obtaining loan

approvals through Investors/Lenders own automated underwriting systems; review & sign off

conditions; assist loan agents, processors & funders with underwriting scenarios, conditions, questions and problems, etc.

12/2003 – 07/2005 Leave of absence due to family emergency.

03/2001 – 11/2003 BANK OF AMERICA / R.M.I.C.

300 Ellenwood, Pleasant Hill, CA 94523

Contract Sr. Mortgage Underwriter - Signing Authority - Jumbo.

Wholesale environment; underwrite conventional

Real Estate loan files, Conforming & Non-Conforming, Fixed & ARM programs; analyze borrowers’

income, Credit, asset and property profiles; obtaining loan approvals through DU and LP; review &

sign off conditions; assist brokers, account executives, coordinators & funders with underwriting

scenarios, conditions, questions and problems, etc.

02/2000 – 03/2001 PROVIDENT CENTRAL CREDIT UNION

303 Twin Dolphin Drive, Redwood Shores, CA 94065

Mortgage Loan Servicing Specialist: Input funded real estate loan information into computer

System for servicing; monitor & update/adjust current indexes and interest rates to all ARM loans

(e.g. Prime Rates, 6-Month C.D., 1-Year T-Bill, 5-Year T-Bill, 11th District Cost of Funds and LIBOR

rates); down load &prepare/update current interest rates from FHLMC for Company’s daily rate

sheets; mortgage payment application and reconciliation; process Home Equity Line of Credits and

conversions; package and shipping real estate loans to FHLMC; order & monitor real estate taxes

on all closed loans; process & review loan files for PMI removals; process & prepare Subordination

Agreements; assist department manager with various projects; Member Services.

05/1998 – 07/1999 NATIONSBANC / BANK OF AMERICA / R.M.I.C.

6140 Stoneridge Mall Road, Suite 200, Pleasanton, CA 94588

Contract Sr. Mortgage Underwriter - Signing Authority - Jumbo.

Wholesale environment, underwrite Real Estate loan files, Conforming / Non-Conforming, Fixed &

ARM programs, FHLMC/FNMA and other Investor loans; analyze borrowers’ income, credit, asset

and property profiles; review & sign off conditions; assist brokers, account executives, coordinators

& funders with underwriting scenarios, conditions,

questions & problems, etc.

08/1996 – 10/1997 PREI MORTGAGE & PROPERTY MANAGEMENT

500 Airport Blvd., Suite 100, Burlingame, CA 94010

Office Manager & Mortgage Processor/Underwriter: Retail environment; process real

estate Loan files; analyze borrowers’ income, credit, asset and property profiles; underwrite &

submit completed loan packages to various Lenders for approvals; follow up with Lenders and

borrowers on loan status & conditions; monitor loan process till close of escrow; process account

receivables & payables; cash reconciliation; prepare monthly financial statements, etc.

(Note: 8/96 to 2/97 Part-time; 3/97 to 10/97 Full-time).

03/1996 – 02/1997 PROVIDIAN BANCORP

Pleasanton, California

Credit Analyst: Audit Second Home Equity Line of Credit closed loan files; review & analyze

credit reports and all other credit documentations for errors & frauds, etc.

06/1994 – 02/1996 TEMPORARY EMPLOYMENT AGENCIES

Worked temporary with various companies as real estate loan underwriter, processor,

Insurance claim specialist, etc.

04/1993 – 05/1994 NOVATO NATIONAL BANK – Mortgage Division

350 Ignacio Blvd., Novato, CA 94949

Mortgage Loan Underwriter - Signing Authority - Jumbo.

Wholesale environment, underwrite real estate loans, Conforming

and Jumbo, Fixed & ARM programs, FHLMC/FNMA and other Investor loans; analyze borrowers’

income, credit, asset and property profiles review & sign off conditions, interact with brokers &

Investors; assist account executives & funders with underwriting scenarios, questions and

problems, etc.

03/1991 – 04/1993 ECHELON MORTGAGE CORP.

Richmond, California

Mortgage Loan Underwriter - Signing Authority - Conforming.

Wholesale environment. Underwrite real estate loans, Conforming

and Jumbo, Fixed & ARM programs, FHLMC/FNMA and other Investor loans; analyze borrowers’

income, credit, asset and property profiles; review & sign off conditions; interact with brokers and Investors; assist brokers, account executives, liaisons & funders with underwriting scenarios,

questions & problems, etc.

01/1977 – 06/1987 FORREST CHEMICAL & SUPPLY CO.

780 Toland Street, San Francisco, California

Payroll - Accounts Receivable - Accounts Payable Clerk – Over of 10 year period.

EDUCATION

Mortgage University

10/2013 FHA/VA Underwriting – Online Courses - Certificate of Completion

11/2013 DE Underwriting – Online Courses - Certificate of Completion

01/1980 – 06/1981 COMPUTER LEARNING CENTER

San Francisco, California

Certificate in Computer Programming: FORTRAN, COBOL & RPG II

09/1975 – 12/1976 SAN FRANCISCO STATE UNIVERSITY

San Francisco, California

Major: Business / Accounting

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