James M. Rinaldi *** Zellmer

Markleeville, CA ***20

1-209-***-****

530-***-****

www.himalayanaid.org

acxkjx@r.postjobfree.com

EXPERIENCE SUMMARY:

Over 12 years of experience in mortgage underwriting, originating, real estate brokerage, secondary/wholesale marketing, national accounts and team/department management.

SKILLS SUMMARY:

Front line underwriting of Conventional, Jumbo, FHA/VA, and B through D credit mortgages; packaging/pooling of mortgages for securitization and secondary marketing; due diligence underwriting; underwriting team management; loan origination and brokerage; real estate agency and brokerage. Proficient with all MS Office applications; operational familiarity with multible AUS systems including FNMA Desktop Underwriter 10.0, LP/LPA, and Encompass.

WORK HISTORY:

2016-Present NATIONAL ASSOCIATION OF MORTGAGE UNDERWRITERS

Certified Manual Underwriter. Underwriting certifications obtained for FHA manual underwrites; VA, Conventional, USDA and due diligence files; FHA DE training.

1991-1995 SENIOR UNDERWRITER, CHASE MANHATTAN BANK

La Jolla, California

Full credit, income, tax, collateral and investment analysis of major secured loan applications; maintained oversight on national accounts underwriting team of 12 individuals; prepared loan commitment packages for sale securitization on the secondary market.

1988-1991 UNDERWRITER, GUARDIAN SAVINGS AND LOAN

Huntington Beach, California

Underwriter for FNMA/FHLMC and B-paper loans; due diligence underwriting for federal Resolution Trust Corporation.

1986-1988 MORTGAGE BROKER, FUNDERS MORTGAGE

Orange, California

Originated Conventional and FHA/VA loan applications; filled loan commitments for secondary marketing; conducted loan processing functions.

1983-1986 REAL ESTATE BROKER/ASSOCIATE, F.C. TUCKER CO.

Indianapolis, Indiana

Listed and sold residential real estate; performed all Offer to Purchase functions; maintained good command of financing options and borrower pre-qualification.

EDUCATION:

1979-1983 INDIANA UNIVERSITY, BACHELORS DEGREE

Public Affairs; Real Estate Administration and Finance.

LICENSES/CERTIFICATIONS:

National Association of Mortgage Underwriters; Certified Manual FHA Underwriter: 2016.

State of Californian Real Estate Salesperson's License: 1987-1991.

State of Indiana Real Estate Broker's License: 1984-1987.

F.C. Tucker Co. Real Estate Brokerage Executive Club award: 1984.

LANGUAGES:

Native fluency in English.

Oral proficiency in Nepali, Tibetan and German

REFERENCES:

Available on request.

I attest that the above given information is true and verifiable.

James M. Rinaldi

Contact this candidate