Customer Service Data Entry

AGNES B. MADRID

**** ******* • San Antonio Texas 78251 • 210-***-**** • **********@*****.***

OBJECTIVE An experienced Mortgage Underwriter seeking new career advancement opportunities.

SUMMARY Offering a Bachelor of Business Administration, in addition to 9 year’s experience as a Mortgage Underwriter for companies such as Wells Fargo and Wachovia.

• Contribute exemplary “pipeline” underwriter experience integrating both origination and modification mortgage loans. Expertise includes underwriting for Secondary Markets i.e. Fannie Mae, Freddie Mac, FHA, and non-conforming investors. Conventional and government loan underwriting on behalf of loss mitigation programs.

• Bilingual communicator. Manage mortgage teams to optimum performance levels, in collaboration with internal departments and external partners. Educator on technical and regulatory criteria.

• Motivated, hardworking professional, who is a consistent contributor to high quality, mortgage portfolio results. Demonstrated conflict management talents, which continues to bring stability and integrity to the team.

• Database/spreadsheet management and account tracking • MS Office (Excel, Word, Outlook, PowerPoint) • Computer applications / mortgage artificial intelligence tools: MSP, LIV, GEM, WPII, FHA DAT, LP, DU, CLARA, HSSN and NACA Website.

• Subject matter expert regarding state and federal lending laws, and tax return/income computation analysis. Seasoned experience with residential fraud detection and prevention methodologies.

EXPERIENCE Consumer Underwriter II, Wells Fargo Home Mortgage, San Antonio TX

08/09 to 09/15 • Promoted from Underwrite I position for excellence in job performance. Currently manage an

increased case portfolio and a C Authority Level.

• Underwrite delinquent FHA/VA loans in foreclosure. Determine possible eligibility for 1of 8 HUD loss

mitigation (modification) programs. Conduct due diligence integrating review and analysis of income,

and supportive documentation. Determine credit compliance and home preservation options.

• Proactively participate in home preservation continuing education throughout the U.S., i.e. Wells Fargo 2009 Service Business Meeting.

• As an underwriter, meet directly with delinquent mortgagors to mitigate losses and propose options.

• Continually exceed all quantitative production goals while maintaining a superior audit rating.

• Meet all production deadlines, while producing impeccable loan results that identify potential risk

and negative impact on the bank (principal balance requirements range from $200K to $800K).

• Recipient, 2010 Service Award for Customer Service for Accuracy and Excellent in Underwriting.

Award is provided to only one individual in each department in San Antonio.

• Honored with numerous Second Level Shared Success Awards for Accuracy and Excellence in

Underwriting. Selected as Trainer to less senior Underwriters.

06/09 to 08/09 Mortgage Client Service, USAA, San Antonio TX

• On a temporary basis, hired to provide general customer mortgage customer service to USAA

customers. Conducted research on mortgages from approval to closing procedures.

• Contributed extensive knowledge on origination loans. Served as an educator regarding interest rates, appraisal report results, review of VA/Conventional Loan packages, final HUD approvals, and wire transfer processes at closings.

WACHOVIA HOME MORTGAGE (Formerly World Savings) (07/03 to 11/08)

10/04 to 11/08 Mortgage Professional/Underwriter, San Antonio, Texas

• Promoted from Mortgage Processor and Auditor III positons to Underwriter, for excellence in job

performance. Rehired as a Data Entry Specialist and project assistant on a temporary basis (through

First Pace), upon the closing of Wachovia mortgage department. (04/08 to 11/08)

AGNES B. MADRID

EXPERIENCE (continued)

09/06 to 02/08 • As Underwriter, managed the most complex loans in the origination pipeline (funded up to $600K). Successfully closed up to 18+ loans per month.

• Reviewed credit applications, credit bureau information, compliance documents, collateral valuation, tax returns, financial statements, and other supporting documentation. Determined approvals, counter

offers, or denial of loan applications by way of automated scoring systems or traditional underwriting. Assisted in re-negotiation of loan terms based upon loan lending guidelines.

• Conducted fraud detection on behalf of each loan application loan.

10/04 to 08/06 • As Mortgage Processor, assisted the Underwriter by verifying employment, ordering payoffs,

securing titles and deposits. Liaised between the borrower and department throughout processing.

• Relieved the underwriter regarding initial preparation and loan compilation documentation prior to signing. Followed up and ensured all loan conditions were met prior to submission to underwriter.

07/03 to 10/04 • As Audit Specialist III with World Savings, managed weekly and monthly qualitative and quantitative reporting. Provided secondary audit level reviews of closed files, to ensure secondary marketing underwriting guidelines were realized.

• Promoted from prior position as a Human Resources Representative, responsible for training new hires and provided coaching and evaluation of employees.

EDUCATION Bachelor of Business Administration, Red River College, Winnipeg, Manitoba Canada. 2001

Liberal Arts Major in Economics, St. Paul College, Quezon City Philippines 1988

REFERENCES

Available Upon Request

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