Underwriter

Shelly Lewis Cellular Phone: 214-***-****

**** ******** **. *****: ***************@*****.***

Mesquite, Texas 75181 Home Phone: 972-***-****

Objective:

I am looking for a challenging position with a stable company that will allow me to utilize my knowledge and skills in all areas of the mortgage business.

Qualifications:

I am a self-directed individual with strong work ethics. I have 9 year’s mortgage/underwriting/compliance experience. I am a team player with an outgoing personality.

PROFESSIONAL EXPERIENCE:

July 2016-Current Treliant Risk Advisors

Forensic Underwriter II Richardson, TX

Validate automated underwriting systems (AUS), DU/LP findings with file documentation.

Able to identify fraud and layered risk. Familiar with residential mortgage documentation, third party risk assessment products and Federal/State/Local compliance regulations.

Ability to manually calculate of earnings for wage earners and self- employed borrowers.

Review fraud detection results used in underwriting.

Manual Frontline Underwriting Conventional/Conforming loan products.

Review loan files for completeness and accuracy. Analyze credit documents, mortgage applications, credit history and income documents.

March 2013-July 2016 Recovco Mortgage

Forensic Underwriter Irving, TX

Able to perform risk analysis and forensic review on client’s mortgage loan files by reviewing the loan Application/1003, 1004, Income docs, Tax Returns, Originations/Post-closing credit reports and asset docs. Able to manual underwrite Conventional residential mortgage loans.

Able to review DU and LP to confirm all conditions and guidelines were met prior to loan closing. Able to perform sufficient investigative work in detail and resolve any fraudulent issues that have been subsequently identified such as occupancy misrepresentation and unreasonable income.

Able to confirm that all RESPA guidelines were met. Ability to review loan documents to verify that the GFE, TIL, HUD-1 was disclosed within the allotted time frame. Accurately record data and compile a review of the circumstances and applicable conclusions such as equity stripping and lender negligence. Encompass experience.

Identify transaction components that indicate the potential of fraud within the loan documents. Ability to conduct reasonableness tests and evaluate risk and ensure quality and compliance of each loan. Conduct due diligence review for new and existing customers.

Conduct analysis of financial statements, appraisals, credit report, HUD-1, purchase contracts, title, tax returns and insurance documents. Ability to review purchase transactions to ensure accuracy and quality in order to meet SLA guidelines.

August 2011-March 2013 BofA (Disy’s Contractor)

QA/Underwriter Dallas, TX

Responsible for auditing post closed loans. Review loan formats, verify loan programs are within guidelines, recalculate income, pass or fail loans and return to Underwriter for corrections.

Responsible for auditing Freddie Mac and Fannie Mae AUS and manual approvals. Validate DU/LP findings.

Ability to examine residential loan application/1003 for accuracy, completeness and compliance with appropriate company and secondary market investor standard.

Communicate audit findings via reporting systems. Confirm all RESPA guidelines were met.

Evaluate credit decisions for accuracy, based on established risk parameters and in accordance with policy, program and product guidelines.

Responds to company, individual, and investor audits. Assists with fraud detection and prevention by reviewing the 1003, Fraud Guard, OFACT, CBR, Tax Returns and Appraisals/1004.

Aug 2010- August 2011 Chase (Newbold Contractor)

Quality Assurance Underwriter Arlington, TX

Review and evaluate information on mortgage loan application and supporting documents to determine if the borrower’s cash, capacity, capability and credit meet lender/investor and government requirements. Manual Underwrite.

Review and decision accounts that’s in default to determine if capacity was there at the time of originations by recalculating income, DTI and LTV/CLTV per product guidelines.

Auditing origination Fannie Mae and Freddie Mac product. Manual Underwrite for purchase/refinance loans. Ability to review appraisals to insure that the comps and gross/net adjustments support the subject property.

Record loan decision specifying investor and institution guidelines. Applications that I am familiar with. WPII, MSP, PEGA, PV-Lookup.

Uphold fair lending practices of JP Morgan Chase Mortgage. Executive Office loans are high priority loans that investors/lenders are investigating fraud.

August 2008-August 2010 Homecomings Financial (GMAC)

Loan Mod/Underwriter Dallas, TX

Thorough review of each account’s financial hardship, including detailed pay history review, foreclosure rules and guidelines. Calculate wage earner, self employed and rental income by use of W2’s, Schedule C and E Tax returns.

Determine financial capacity and commitment of each homeowner. Review CBR’s for fraud detection.

Analysis of loan history, asset attributes, and customer contact to determine whether modifications or a severity solution is appropriate; such as short sale, deed-in lieu.

Manage process and portfolio to reduce Frequency, maintain timelines, and to improve delinquent roll rates. Manage foreclosure fees/costs and timelines.

Provide instructions to attorneys to hold, cancel, postpone, or proceed with foreclosure sale.

October 2006-Aug 2008 Homecomings Financial (GMAC)

Underwriter Dallas, TX

Front line Underwriter for conventional loans A-paper and Alt- A Retail, Hard files and paperless systems. Validate DU/LP findings. Ability to clear conditions.

Review and evaluate information on mortgage 1003, 1004, CBR and asset documentation to determine if borrower’s cash, capacity, capability and or collateral meet lender/product requirements.

Constant communication with all involved parties via email, phone or fax in regards to stipulations to assist in expediting final approval.

Request additional information or documentation if needed to support sound underwriting decision in order to clear conditions.

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Calculate income by use of paystub/ W2, business tax return/Schedule C, K1’s and rental income/Schedule E to provide a true monthly income amount.

EDUCATION:

High School Diploma Received May 1997

Naaman Forest High School Garland, TX

Southern Arkansas University

*References available upon request

Contact this candidate