OBJECTIVE

Utilize knowledge, experience and skills to provide quality and efficient business services. Cultivating lasting relationships with clients and associates to develop a solid reputation in the Mortgage banking community.

EDUCATION

Lake Central High School 1989

EXPERIENCE

Accenture Credit Srvices (ACS) -Underwriting Sr. Analyst 2016- Present

Rancho Cordova, Ca

Manual Underwrite of Home Equity Line-Delivery Solutions. Service Level Agreements and to drive continuous improvement. Analyzing income documentation, notes receivables, pensions, IRA’s, asset dissipation and tax returns to determine useable incomes. Appraisal analysis to determine zonings, highest and best use as well as acreage large acreage, as well as across the board adjustments. Preparing counter offers to clients with DTI/LTV constraints while maintaining loan integrity.

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Computer Centers USA – Tier 2 Technician / Tier 3 Team Lead 2014-2015

Tampa, Florida -(contractor)

As a Tier 2 technician I handled escalations and callbacks maintained in ISPN helpdesk ticketing system. Troubleshooting issues involving Kindles, Ipads, Windows 8 and Android tablets, as well as Windows 8 and 8.1 systems. Taking 25-40 calls a day. As Tier 3 Team lead my responsibilities included remote support via LogMeIn Rescue, managing a team of 8 technicians all while maintaining a less than 3% disappointing rating and 2-3 hours talk time. All calls originated from QVC and HSN customers.

Sr. Processor / Jr Underwriter 2013-2013

Tampa, Florida-(contractor)

Processed loans for Universal American Mortgage Company. Calculation of income for both w2 and self employed borrowers utilizing tax returns. Ordered payoffs, title, spoke with clients to obtain any documentation needed to clear stipulations. Ran loans thru AUS (DO/DU/LP) systems to maintain approval status. Maintained loan integrity to conform with investor guidelines.

Adecco – Subordinations Underwriter 2012-2012

Tampa Florida -(contractor)

Underwriting 2nd liens while maintaining approval debt ratio. Maintained a pipeline of up to 70 files. Monthly production exceeded 130 loans average. Implemented credit policies set forth by lender. Utilized various production programs such as ACAPS, PION, ALS, amongst others proprietary to SunTrust Bank

JP Morgan Chase – Underwriting Manager 2011 – 2012

Ft. Worth, TX

Conventional, FHA, DE, VA and USDA underwriting all types of loans, including but not limited to, Jumbo, HARP, 203k, HAMP, CHAMP, and High Balance loans. Familiarity with FHLMC, FNMA, HARP, Jumbo and VA guidelines.As a team supervisor, determined resolutions to escalated credit underwriting issues, while managing a team of 12 underwriters in production, credit, and personnel relations. Focused on credit quality of loan files, coaching, mentoring and consistency in underwriting methods and practices.

JP Morgan Chase – Zippy (AUS) SME / Support Analyst 2009-2011.

Tampa, Fl / Ft. Worth, TX (Contractor/FTE)

As a Subject Matter Expert, I provided extensive support to underwriters, regarding Zippy (AUS). Analyze all application errors that may occur within the origination and underwriting systems. Performed credit analysis, familiarity with investor guidelines for FNMA/FHLMC, FHA/VA, conventional and jumbo products. Confirmed loans RESPA compliant and audits. UAT testing within various environments and platforms proprietary to Chase.

Kforce- Processor / Jr Underwriter- 2009-2009

Tampa, Florida- (contractor)

Maintained a pipeline of up to 83 loans monthly. Processed loans through DO/DU/LP, CEMA, Conventional, non-conventional, Jumbo and FHA/VA. Worked various avenues of processing, contacting insurance companies, clearing fraud alerts on credit reports, updating credit to reflect updated trade-lines.

Orion Residential Finance- Licensed Mortgage Broker 2006-2009

Tampa, Florida (owner/broker)

Worked with over 100 lemders nationwide, contacting prospective customers, gathering personal information, completing the1003 utilizing Calyx 5.0 & Encompass. Originated FHA, USDA, Conventional, FNMA/FHLMC, Adjustable Rate Mortgages, VA, and Jumbo loans. Prepared loan disclosures, presenting multiple programs that fit the clients’ needs. Following up with client to ensure knowledge of closing dates, appraisal inspections, etc. Utilized automated underwriting systems through various lenders

All State Home Mortgage - Loan Officer 2000 to 2006 Loan Officer:

Cleveland, Ohio

Working with the ASHM group, answering customer inquiries related to the various mortgage programs offered by ASHM. Starting, canceling and servicing various accounts. Utilized Calyx Origination Software. Accepting and plaing up to 120 calls a day. Handling all incoming applications for mortgages, as well as some broker responsibilities. Followed up with underwriting stipulations to forward loan process. Consistently exceeded quarterly goals for eight consecutive quarters.

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