SUMMARY OF QUALIFICATIONS

Excellent analytical, interpersonal and verbal/written communication skills

Extensive background in underwriting, funding, loan processing, trustee sales, quality control and secondary market and shipping

Knowledge of multi-state lending requirements

Extensive background in FNMA, FHLMC, Sub-Prime, Alt-A and Jumbo Loan programs

Excellent problem solving skills

Knowledge of FHA and VA guidelines and policies

WORK EXPERIENCE

Child Care Provider

Self-Employed, Inglewood, CA February 2013 – June 2016

Maintain a safe play environment and prepare meals for breakfast and lunch. Instruct children in health and personal habits, such as eating, resting and toilet habits.

Read to children and teach simple painting, drawing, handicrafts and songs. Observe and monitor children’s play activities.

Claims Analyst

Solomon Edwards Group, Pasadena, CA September 2011 - January 2013

Review foreclosure and bankruptcy documents for accuracy of information. Analyze servicer actions using proprietary risk management software as well as servicer-provided documentation; make recommendations on loans reviewed. Understanding of Federal and State compliance laws in both judicial and non-judicial jurisdictions.

Provide training of all new employee assignment to our team, on the AS400 computer system, policy and procedure for foreclosure and bankruptcy requirement.

Report finding of fraud and incorrect filing of foreclosure on military servicemen and civilian to upper management.

Loan Underwriter/ Quality Control Auditor (VA, Conventional and Jumbo loans)

Newbold Advisors LLC/ USAA, Clearwater, FL September 2010 - March 2011

Review loan file after underwriting approval to validate the completeness and accuracy of legal documentation, credit documents, property appraisals for loans identified as having potential fraudulent activities, salability and/ or re-purchase issues according to investor guidelines. Identifies ineffective, inconsistent or ambiguous procedures and uncovers isolated and/or recurring errors. Corrects deficiencies and coordinates findings with management

Facilitates audit review and responses for all audit requests internal and external for all investors and agencies. Coordinates with the Quality Control Vendor to ensure timely delivery of audit review responses based on USAA's lending policies and guidelines and/or all agency/private investor guidelines and requirements. Assists with various OTS examinations, VA Audits, investor audits, Quality Control Vendor, and special program audits.

Underwriter/ Loan Processor

Independent Contractor, Inglewood, CA October 2007- September 2010

Review documents/files for loan modification and determining whether borrower meets the requirements for the modification program.

Verifies customer income documentation; reviewed hardship letters, credit report and BPO for property value.

Reviewed and analyzed transaction history, and request appropriate corrections. Completed Home Affordable Mortgage Programs (HAMP).

Audit loan files for completeness and accuracy. Identified critical missing information and data discrepancies prior to packaging loan files for sale of portfolio.

Senior Loan Underwriter

BNC Mortgage, Inc., Carson, CA July 2002 - October 2007

Manual underwrote of wholesale loans, conforming and non-conforming residential loans with $750,000.00 signing authority.

Responsible for reviewing, analyzing, underwriting and rendering a decision of mortgage loan applications.

Assisting with the development of underwriting personnel. Provide assistance to Brokers and Loan Representatives to determine appropriate loan programs for potential buyers/borrowers for the purpose of refinance or obtaining a new loan.

Check accuracy of all calculations of income.

Mortgage Loan Underwriter

Home Loan Mortgage, Los Angeles, CA August 2001- July 2002

Performed manual and automated underwriting for wholesale, retail, conforming, non-conforming, conventional, prime and sub-prime, FHA and VA Loans. Signed off on underwriting conditions. Run LP’s, DU’s, Emits, IDASL (Impac) on loans as required.

Received company sponsored training to obtain my direct endorsement. Overseen the training of Underwriting Assistants. Interact with Brokers and Loan Reps on product guidelines and pricing of loans.

Due Diligence Auditor

Independent Contractor (Bladestone Financial), Wake Forest, NC April 2000- July 2001

Assessed loan attributes and data to ascertain loan viability and identify risk issues and potential fraud.

Evaluate income, debts/credit and property valuation. Review and analyze special conditions, loan deficiencies and exception requests determine appropriate courses of action.

Evaluate loan documents for accuracy and completeness as required by state and federal laws. Reviewed loan packages for fraudulent information and obtained any re-verification documents after the time of closing. Trained in underwriting for lot loans from construction to perm.

Mortgage Loan Underwriter

Aames Home Loans, Los Angeles, CA December 1996 - April 2000

Received and reviewed sub-prime loan applications and associated documentation to insure thoroughness and compliance with applicable regulations and policy.

Manual Underwriting in retail division specializing in A to D paper. Approves, declines, and/or makes recommendations on loan requests within approval authority level.

Interfaces with Branch Personnel in insuring a timely loan decision. Protects corporate assets by complying with policies and procedures in regard to required documentation.

EDUCATION

Diploma, Manual Arts High School, Los Angeles, CA

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