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Mortgage Loan Underwriter

Location:
Sicklerville, New Jersey, 08081, United States
Posted:
October 27, 2016

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Wina Anderson

*** *** ******** ***** **

Sicklerville, NJ 08081

(609) ***-****

acw9i4@r.postjobfree.com

Administrative Management

Outstanding business growth/development and personnel supervision Utilizing solid organizational and leadership experience. Dynamic and Results focused sales professional with solid qualifications in strategic Planning and implementation, sales forecasting, market analysis, identifying/capitalization upon market opportunities. Professional Experience Loan Servicing Specialist- (Negotiator/Underwriter) STARS, Mount Laurel,NJ (7/2012-Present)

Valuation Quality Specialist II

Review and decision appraisals in accordance with investor and PMI guidelines, Evaluate third party valuation/risk tools to assist in determining supported appraised value review,add and clear conditions related to collateral. Evaluate collateral related Dissco alert flags and clear or document accordingly . Make outbound calls to appraisers to resolve any issue needing clarification and /or unsupported valuation issues order addenda through vendor management rate appraisal quality offer alternatives where applicable appraisal underwriter communicate status with LPC, Underwriting,sales and client as required prep files for investor /agency audits. Meet established production and quality minimums on a consistent basis meet established turnaround times perform other duties as needed within STARS, as needed.

Ability to review documents to insure satisfaction of condition for clearing strong customer service skills. Strong analytical skills and decision making ability. Proven interpersonal skills ability to interact with other departments and vendors in a professional manner . Experience with mortgage industry products and processes.

Ability to manage multiple priorties and meet deadlines in a fast paced, high volume work environment. Ability to learn quickly.

Working knowledge of microsoft applications knowledge of PHH systems . Ability to adapt/ change as needed prior underwriting experience mortgage knowledge TD Bank Mount Laurel, NJ (3/2012-7/2012) (Contemporary Staffing Solutions, Mt.Laurel, NJ) Underwriter

Responsible for calculating income for residential and consumer loans Calculating standard income and / or tax returns...Review and analyze documents received from branches, customers, processors, and other units. Ensure accuracy and completeness, resolve discrepancies and escalated issues. Respond to routine questions from customers and other internal units. Follow up with branches and other units to resolve discrepancies and customer issues.Priortize workload to meet and exceed unit objectives. Make entries in general ledger related to paperwork, payments, and information processed. Excellent verbal and written communication skills. Bank of America Wilmington, DE (6/2010- 12/2011) (Pionear Staffing, Charlotte, NC) MLO Loan Servicing Specialist- (Negotiator)

Responsibilities are managing the process of selling real estate with a prescribed investor & department guidelines. Administering real estate sales responsibilities in Bank of America locations nationwide. Managing a portfolio consisting of properties that have detailed guidelines and requirements management authorization and approval.

Minimizing losses on foreclosures through analysis, management, marketing, and liquidation of real estate owned properties by Bank of America and our investors. Evaluating economics of the property for month-end figures and the best marketing disposition plans. Presenting listing agreements and counter-offers for supervisory approval, providing marketing direction to broker’s .Evaluating pre-foreclosure appraisals to assist in bidding & buy-down analysis. Net piqué, LLC, Trevose, PA (4/2010-6/2010)

Commercial Account Representative

Responsible for soliciting selling and implementing my client’s products and services, to mid-market accounts. I target markets by direct outside sales with customers by creating relationships with customers and developing a clear complete understanding of their principal issues and needs; networking and cold calling prospective customers and meeting times to present client as a potential vendor; and presents clients solutions that relate directly to key needs and business issues of accounts.

Exceeding my monthly sales quota by acquiring small to mid-sized businesses, in the three Territories that were assigned by continuously updating my knowledge of products, services, industry trends in the marketplace.

Anthem Institute, Cherry Hill, NJ (9/23/2009-2/2010) High School Presenter/Recruiter

Travel to schools in designated territory providing interactive high school presentations to students and facility, by providing high energy, enthusiasm, and entertainment into each classroom to present topics that will inspire and motivate students about career alternatives after high school. Maintain a booth at career fairs, and educational organizations to provide information about educational opportunities provided by school. Report to Director of Admissions. Sovereign Bank, Toms River, NJ (8-31-2009- 9-22-2009) (NextGen Staffing, Denver, CO) Processor/ Junior Underwriter

Researched, reviewed, validated loan documents for underwriting approval. Maintain a positive and open communication with customers.

Review all files and make initial contact with customers. Clear all underwriting and funding conditions. Review and send loan documents to borrower for signing. Prepare loan files for funding. Maintain a level of competency in the day to day activities of the loan department.

Wells Fargo Home Mortgage, Chester, PA (1/2009-7/2009) Accountemps, Phila, PA Underwriter

Responsible for reviewing, analyzing, approving and underwriting individual consumer request with in company and industry guidelines.

Reviewing financial statements, credit reports, evaluating, examining transactions to ensure accuracy and completeness; preparing formal reports for review, ensuring documents are consistent and uphold to company and industry guideline. Strong organizational skills. Proficient with LP and DU underwriting. Provide work direction and training to lower level team members.

GMAC Mortgage, Cherry Hill, NJ

Mortgage Processor /Junior Underwriter (10/2005-11/2007) Researched, reviewed, validated loan documents for underwriting approval. Maintain a positive and open communication with customers. Brokers, and loan officer’s .Achieved processor of the quarter two consecutive quarters, processed and closed over three hundred loans a month. Lending authority granted of $500000.00 managing a portfolio consisting of properties that have detailed guidelines and requirements for management authorization and approval. Minimizing losses on files through analysis, management, and marketing. Review all files and make initial contact with customers. Clear all underwriting and funding conditions. Review and send loan documents to borrower for signing. Prepare loan files for funding. Maintain a level of competency in the day to day activities of the loan department.

Freedom Mortgage Corporation, Mt. Laurel, NJ

Sales Manager (04/2002-10/2005)

Managed 15 to 20 sales personnel in receiving inbound calls from customers to qualify for mortgage services. Scenario used for qualification include a review of credit, willingness to repay, capital (assets) and selling the assurance that the company implements. Managed pipelines for sales staff, handled irate customer calls to produce a solution. Produced reports for production and commissions.

PNC Bank, Moorestown, NJ

Remittance Process Operator (3/2001-12/2002)

Process invoices using a TRP machine from all branches; verify accounts and amounts for review, corrections, and processing. Balance accounts and review reports...Using 10 key data entry and encoding machine. Cendant Mortgage, Mt. Laurel, NJ

Mortgage Consultant/Loan Officer (12/2000-3/2001)

Working in an automated atmosphere receiving inbound calls from customers to qualify for mortgage services. Scenario used for qualification included a review of credit, capital (assets), capacity (willingness to repay) and collateral. Upland Mortgage, Bala Cynwyd, PA

Mortgage Consultant/Loan Officer (04/2000-12/2000) Working in an automated atmosphere receiving inbound calls from customers to qualify for mortgage services, specializing in non-conforming credit lines. Scenario used for qualification includes a review of credit, capital (assets), capacity

(willingness to repay), and collateral.

Resource One, Langhorne, PA

Loan Officer/Mortgage Processor (4/1999-4/2000)

Worked in an outbound and inbound environment. Generated applications from customer call INS and home visits. Processed applications, reviewed credit, collected and prepare documents for underwriting approval. Specializing in non- conforming loan atmosphere.

South Jersey Federal Credit Union, Deptford, NJ (3/1996-4/1999) Loan Officer

Interviewed members for all loan services offered through credit union. Review applications and loan documents for credit approval using the qualification scenario of credit, capital, capacity and collateral. Education

Burlington County College, Mt. Laurel, NJ (2008- Present) LaSalle University, Philadelphia, PA (1996-1998)

Hampton University, Hampton, VA (1979-1982)

Everest College, Chesapeake, VA (1984-1986) Accounting Diploma Certification

Notary, State of New Jersey

Affiliation

National Association of Mortgage Processors (NAMP) New Jersey Producer Insurance License #1489297

National Producer #16821869

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