Customer Service Real Estate

CLARENCE CARTER *** E. Vista Ridge Mall Dr. #****, Lewisville, TX 75067

870-***-**** / ******************@*****.***

PROFESSIONAL SUMMARY

Experienced Mortgage Underwriter and Processor with excellent oral communications, customer service, organizational, analytical, mathematical, written, and mathematical skills; ability to meet and exceed project deadlines. Possess extensive knowledge of mortgage guidelines and auditing mortgage loans transaction for compliance, and fraudulent activities.

Proficient in:

Microsoft products,

LP AU systems

CE certified thru Freddie MAC, FNMA/FHLMC

Experience in Front End and Back End underwriting, Modifications, Loss mitigation, and Bankruptcy.

EXPERIENCE

Newbold Advisors - Bankruptcy MFR Specialist 2/14 – 10/15

Responsible for reviewing FNMA/FHLMC, FHA and VA mortgage loans to determine the delinquency status and completing the MFR (Motion for Relief) package). Completed 5 MFR packages per day.

Newbold Advisors/Freddie Mac – Sr Quality Control Underwriter 02/13 – 12/13

Performed risk analysis and forensic review on client’s mortgage loan files; review and identify the mortgage loan deficiencies to ensure company compliance and finalize outcome using GFE Settlement Statement, HUD-1, RESPA guidelines, Regulation X (RESPA), Regulation B (Equal Credit Opportunity), Federal Guidelines and HMDA. Completed 4 loans per day.

Newbold Advisors – Forensic Underwriter 05/11 – 01/12

Preformed risk analysis and forensic review on client’s mortgage loan files, investigative, detail and resolve fraudulent issues identified by third party. Completed 5 loans per day

Aerotek – Business Control Specialist/Analyst/OA Underwriter 01/12 – 2/13

Implemented test case scenarios; performed quality assurance reviews for defaulted and imminent default loans in order to process in accordance with applicable program guidelines and requirements.

Reviewed documents from third party vendors, review borrower’s financial statements and tax returns.

Audited HAMP and Non HAMP modification loans underwritten for corrections

Analyze credit report for fraudulent activity, credit history and fico scores

Compliance review using GFE Settlement Statement, HUD-1, RESPA guidelines, Federal Guidelines and HMDA. Completed 3 – 5 loans per day.

Clayton Group - Due Diligence Forensic Underwriter 6/04 – 2/11

Reviewed and analyzed mortgage loans for purchase for Investors and Secondary Mortgage Securitization.

Review credit bureau information, collateral valuation, tax returns, financial statements, and other supporting documents to approve/decline loan request within authorize approval limits. Completed 8 – 10 files per day.

CLARENCE CARTER 350 E. Vista Ridge Mall Dr. #1022, Lewisville, TX 75067

870-***-**** / ******************@*****.***

First Tennessee Bank/First Horizon - Branch Manager 4/01 – 4/02

Responsible for managing the Branch daily operation, loan volume growth, and meeting profitability goals.

Supervised the loan origination and servicing activities of seven staff members to include the cashier, processers, originators, and closers.

Reviewed all loan files to ensure internal controls and policies was followed in compliance to company policies and Fair Lending Guidelines. Exceeded the Branch production and delinquency goals each month.

Pinn Fund Mortgage - Front Line Underwriter 10/98 – 04/01

Utilized DU and LP software to underwrite purchases and refinance first and mulita-family mortgages for various lenders.

Reviewed all loan documents and approved conditions for compliance.

Resolved post-closing issues as they related to underwriting. Assisted in the development of policy, procedure, process flows, and integration of new clients. Manual Underwrote 4- 5 loans per day

Associates Financial Services - Branch Manger 09/93 – 09/98

Overseen the day to day operation of a consumer lending financial institution.

Responsible for loan processing, underwriting, approving, and closing loan within assigned limits.

Reviewed branch reports for compliance and accuracy and monitored branch expenses to control cost

Developed programs to maximize branch profitability, minimized risk, and improved customer service through focus on product knowledge. Exceeded the Branch production and delinquency goals each month.

EDUCATION

MBA, Human Resource Management – Attending Stayer University

Bachelor of Business Administration – Management, May 1992

Real Estate Financing – West Tennessee School of Real Estate, March 1992

Fundamentals of Underwriting – Mortgage Broker Association, March 1993

TRAINING

Freddie Mac –CE Certified Senior QC Mortgage Underwriter

LP and DU Certified

Held Real Estate License in the State of Tennessee

Held Life/Health Insurance License in the State of Tennessee

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