Mortgage Underwriter

Tiffany Cudjoe

***** ***** **. ***** *********, CA 310-***-**** *******.******@*****.***

Objective I would like the opportunity to apply extensive mortgage and banking experience in a corporate environment, where considerable and applicable training can be utilized.

Experience

10/2015-current

Gold Star Financial

Senior Conventional Underwriter

Evaluates loan applications for risks and various criteria such as investor requirements, accuracy, consistency and completeness

Review new loan files to ensure loan meets investor and program criteria. Review transmittal & 1003 to make sure it is accurate and complete, compare to findings to verify that all information matches

Review credit report and compare to liabilities on 1003. Verify the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed. Request updated mortgage history if needed

Calculate income using documentation required per investor, questioning any large changes in income

Review assets statements to compare to required assets. Require documentation and source for any recent large deposits

Review title to verify our borrower has ownership on a refinance transaction and that the seller has ownership for purchase transaction. Check that chain of title meets investor requirements. Verify there are no unpaid liens or judgements and that all mortgage liens being paid off through the transaction. Compare tax figures to 1003

Review appraisal to ensure the value is supported and that the appraiser has provided complete accurate appraisal. Order value review on loans considered high risk

Review file to make sure compliance has been met; regulatory, state compliance and federal (patriot act)

Maintain current and fluid knowledge of investor and agency guidelines

Approves loan with proper documentation or recommends further action

Communicates effectively and engages proactively with loan originators, processors, branch managers, funders and post-closers in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios

10/2011-07/2015

Wells Fargo Home Mortgage

Consumer Mortgage Underwriter 2/PMB

Responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines. functions included evaluating and ensuring overall loan documents are accurate, complete, and compliant; reviewing of financial statements, credit reports, applicable ratios (i.e. Debt ratios, loan-to-value) and other supporting documentation. I used an automated scoring system or traditional underwriting to determine acceptability of moderate requests. I was responsible for contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decisions, and to answer any necessary questions. Responsible for staying abreast of any changes in underwriting provisions and working with production to resolve questions when possible.

1/2008-10/2011

Orlando Fire Department

Emergency Communications Dispatcher

Answered emergency and non-emergency calls for fire department using a multi-line telephone system. Dispatched calls for fire and emergency medical services. Possessed the ability to stay focused during stressful situations that arose daily while practicing excellent customer service skills at all times.

Premier Mortgage Capital,Inc. 8/2006-1/2008

Mortgage Underwriter-11/06-12/07

Underwriting duties included underwriting mortgage loan applications and evaluating loans in order to maximize organizational profit and minimize risk or loss. Utilized automated underwriting systems DU and LP, and Clout to underwrite loans and provided approval stipulations based on the approval conditions. Submitted appraisals for appraisal reviews and manually reviewed appraisals for approval. Cleared stipulations based on documentation provided by the borrower based on loan approval conditions.

11/14/05-11/2006 Ivanhoe Financial Orlando, Fl.

Jr. Underwriter

Underwrite lower risk mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss. Monitored property appraisal process.

05/2004-11/2006 Trustworthy Mortgage, Orlando, Fl

Processing Manager

Responsible for providing direct supervision and support for 5-8 loan processors. Duties included but not

limited to training new hires and performing monthly performance reviews. Helped processors develop and implement

processes to maintain loan pipelines. Responsible for reporting communicating pipeline reports with sales manager.

1/2001-5/2004 Ameriquest Mortgage

Loan Processor

Gathered all of the information needed to process customer s mortgage loan application, enter application and review completed loan packages against system data; correcting errors to loan packages and/or system data; obtained missing information and resolved exception processing issues. Ordered subordinations; confirmed titles and homeowner insurance appraisals have been ordered. Validated order of payoffs and collection of fees as needed. Communicated with customers and sales partners. Took mortgage payments

Summary of Qualification Proficient in Microsoft Office, Lotus Notes, Empower, LIS

DU/DO, LP, Calyx, Emits, and Clout. Certified Public Notary, NSA member

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