Customer Service Financial Services
Resume:
Ricky D. Martin
Oxnard, Calif. 93035
************@*****.***
Employment:
Citizens Bank (Clayton Group) Sr. Underwriter – Remote – 1-201*-*-****
Re-underwrite secured loans for purchase
Calculate income
Review credit reports
Review Appraisal Reports
Analyze Bank Statements
Review DU/LP Findings
Purchase/Refinance
Non-Conforming/Conforming
Review Investor Guidelines
TD Bank (Clayton Group) – Income Analyst- Remote – 2-2015 to 12-2015
Analysis salaried borrowers as well as self-employed borrowers
Analysis W2’s paystubs, 1065, 1120’s including K-1’s, 1040’s Schedule ‘C”
Determine earnings trend for the borrower
Complete Comparative Income Analysis for the self-employed business
Determine if income is decreasing or increasing
Complete worksheet for salaried and self-employed borrower
Complete Solvency Test to determine companies assets
Condition for missing income documentation
Analysis rental income from Schedule “E” 1040’s
Indecomm Global Services – Remote – 09/2014 – 12-2014
Sr. Underwriter
Analyze loan packages for accuracy and completeness
FHLMC/FNMA/FHA/VA/HARP/Conventional
Involved in selecting the product & programs for the borrowers.
Structuring, processing and underwriting the prime loans.
Work with insurance companies to determine the property insurability
Ran the applicable AUS (DU/LP) and interpreted the findings related to Investor’s guidelines.
Obtained and reviewed documents related to the condition to signoff for final approval.
Render credit decisions including credit, S/E income and property analysis
Review loan conditions and re-submissions
Encompass 8.0
Obtain any MI Certs that applied
Review all appraisal reports
Performed QC for the compliance & fraud checks for pre-funded and post-funded loans
Roundpoint mortgage – Remote - 6/2013 – 8/2014
Sr. Underwriter
Analyze loan packages for accuracy and completeness
FHLMC/FNMA/FHA/VA/Conventional
Involved in selecting the product & programs for the borrowers.
Structuring, processing and underwriting the prime loans.
Work with insurance companies to determine the property insurability
Ran the applicable AUS (DU/LP) and interpreted the findings related to Investor’s guidelines.
Obtained and reviewed documents related to the condition to signoff for final approval.
Render credit decisions including credit, S/E income and property analysis
Review loan conditions and re-submissions
Encompass 7.5 & 8.0
Obtain any MI Certs that applied
Review all appraisal reports
Performed QC for the compliance & fraud checks for pre-funded and post-funded loans
Interthinx: Front Line and Audit Underwriter 9/2008 – 4/2013
Sr. Underwriter
Analyze loan packages for accuracy and completeness
Render credit decisions including credit, S/E income and property analysis
Review loan conditions and re-submissions
Audited non-performing mortgage loans including detailed evaluation of both credit components of the loan
Thorough analysis of both credit and valuation and referral of Fannie Mae action matrix
Issues repurchase letter boilerplates and the supporting documentation on all findings
Ran DU/LP on all loans
Unemployed from 8/2007 thru 9/2008
New Century Mortgage: Senior Underwriter 2/2003 -8/2007
Analyze loan packages for accuracy and completeness
Review all income and credit documentation
Review and signed off on credit decision
Averaged 5 loans per day
Excellent time management skills to meet 24 hour turn time
First Magnus Financial: Senior Underwriter 6/2000 – 1/2003
Analyze loan packages for accuracy and completeness
Render credit decisions including credit, S/E income and property analysis
Review loan conditions and re-submissions
Audited non-performing mortgage loans including detailed evaluation of both credit components of the loan
Thorough analysis of both credit and valuation and referral of Fannie Mae action matrix
FHLMC/FNMA/FHA/VA/HARP/Conventional
Ran the applicable AUS (DU/LP) and interpreted the findings related to Investor’s guidelines.
Skills
Experience using the following automated underwriting system: DU, LP and CLUES. Familiar with the following databases: Lexis Nexis, Safe check, Fraud guard, ACES, QAS CRS, Clear Capital
American School of Mortgage Banking: Instructor 1/1997 to 1/2007
Taught FNMA, FHLMC, VA, FHA to Loan Consultant, Loan Processors, Underwriters
Microsoft office
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