Manager Microsoft Office

Wilfred Tomaneng

Lake Balboa, California **************@*****.*** 818-***-****

Senior Mortgage Underwriter

More than 11 years of accomplishment analyzing and underwriting conforming and non-conforming loans to optimize profitability while avoiding risk and preventing fraud.

Hands-on success contributing to quality programs, including audits of pre-funded and post-closed mortgage loans to assess adherence with lending guidelines. Outstanding computer skills with demonstrated ability to learn and apply new systems and processes. Proficient with Encompass, Wasabi, Aces, Filezilla, Ally, QAS, and Microsoft Office (strong Excel).

Areas of Expertise

FHA, VA, Jumbo, Portfolio, & Conventional Loans

Financial Statement & Credit Report Review

Loan Restructuring

Regulatory & Policy Compliance

Customer Relationship Management

Quality Control (QC) Auditing

Information Research & Reverification

Early Payment Defaults

Identifying & Resolving Discrepancies

Pre-funding and Post-closing Audits

Career Experience

Senior Mortgage Underwriter

Inco-Check – Irvine, California (2016)

First American Mortgage Solutions (formerly Interthinx) – Agoura Hills, California (2008 to 2015)

Steered underwriting of FHA, VA, USDA, Jumbo and Conventional loans with accountability for analyzing and ensuring compliance of complex loans with regulatory standards and investor guidelines.

Conducted thorough review of all documentation (origination and post-origination) supplemented with database and external research to verify accuracy and analyze adherence with lending guidelines. Validated employment, income, assets, and liabilities to ensure consistency among documents and support underwriting decision making. Analyze business and individual tax returns including K-1’s and financial statements. Reviewed preliminary title report and appraisal reports to verify collateral acceptability. Documented data and reviewed conclusions in the Quality Assurance System (QAS).

Key Contributions:

Played essential role in QC program, reviewing pre-funded and post-closed loans for adherence to guidelines, following-up on internal/external audit inquiries, and recommending bank actions.

Earned reputation for outstanding productivity and accuracy, underwriting exceptional volumes of loans with virtually no errors or omissions.

Support risk mitigation activities, assessing deficiencies and alleged breaches to determine materiality and degree of potential risk exposure; proactively assessed potential mortgage fraud.

Additional Underwriting Experience (2003 to 2007)

Pro 30 – San Jose, California: Conventional and ALT-A loans

WMC – San Ramon, California: High volume of subprime mortgage loans

Washington Mutual (WAMU) – Chatsworth, California: Junior-level analytical role

Educational Background

Bachelor of Science in Commerce/Economics

University of Santo Tomas

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