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SUNDAY DOLLAR-RAINEY

Home: 240-***-****

*****************@*****.***

SUMMARY

Accomplished Loan Underwriter/Mortgage Professional who consistently exceeds monthly goals, while offering the utmost care in client relations. Dedicated to helping customers build successful financial futures with affordable home mortgages.

Bank of America Certified MHA

Underwriter

SASE Level II/NMLS#885642

Loss Mitigation

Making Home Affordable/HASP

HIGHLIGHTS

Knowledge of VA loan process Safe Act of 2008 Certification Risk Management Expertise

HUD, Fannie Mae, FHA and Conventional Loan Training Underwriting APL 1 and 2

EXPERIENCE

Title Research Remediation Analyst, 05/2016-Present

Wells Fargo Home Mortgage- Contract Frederick, MD

Review loan files at the foreclosure, loss mitigation, and bankruptcy back end/post closing stages to determine if there is a defect per Manufactured Home/State Recording Guidelines.

Identify if the title is active, retired or cancelled and review documents before sending the file to the attorney for curative action, correction or recording.

Communicate via email and phone to the appropriate party to have the defect corrected and re-recorded.

Research loan documents and online systems to obtain mobile home: vehicle numbers and hud-tag numbers, for title, tax assessors and department of motor vehicles searches.

Due Diligence Analyst, 10/2015 to 03/2016

Lender Live-CMG CORP Thornton, CO

Review and analyze loan documents to determine whether the underwriting of each loan meets a certain level of risk tolerance and program requirements.

Comparing the loan file documentation to specified guideline requirements as guidelines permits for approval or denial decision.

Examined income, employment, assets, and occupancy reasonableness.

Reviewing the updated data on occupancy, employment, income, borrower identity, credit etc.

Sina Remediation Analyst, 05/2015 to 08/2015

First Guaranty Mortgage Frederick, MD

Reviewed loan files at the post closing stage to determine if there is a defect, Per VA/FHA/USDA or Manufactured Home Guidelines.

Identified if the file is clear and review documents before sending the file to the county for re-recording.

Prepared and sent instructions to the appropriate party to have the defect corrected and re-recorded.

Scanned and prepared documents for shipping the proper custodian.

Home Service Specialist and Underwriter II, 08/2008 to 01/2014

Bank of America Home Mortgage Buford, GA

Underwrite and review files to qualify loans for MHA/HASP and Conventional Loan Programs.

Maintained an understanding of current policy and product guidelines and procedures when exercising credit authority.

Performed data entry and updated account information to pre-qualify borrowers for Mortgages and Loan Modifications/Loss Mitigation Programs.

Maintained acceptable performance relating to loan credit decisions.

Reviewed and approved the documentation for underwriting approvals and validations. Processed and reviewed files to qualify loans for VA/MHA/HASP/VA-IRRL’s or Refi Programs for loan workouts.

Sr. Collection Agent, 02/2006 to 08/2008

IQOR/Allied Interstate Chandler, AZ

Pursued and collected inbound and outbound payments from debtors/customer on past due balances of residential and cellular phone accounts.

Negotiated payments and settlement amounts on delinquent balances owed on third party accounts; advise debtors how to clear debt and clean credit, data entry of updated account

Information.

Mortgage Closing Specialist III and Mortgage Specialist III, 12/2002 to 12/2006

Wells Fargo Home Mortgage Tempe, AZ

Reviewed and prepared documents for closing on mortgages for manufactured homes and residential refinanced mortgages.

Reviewed and researched title commitments, property tax amounts, hazard insurance policies pertaining to purchases and refinance of mortgages, credit applications, and documentation.

Corresponded with Title Company, Title Agency, Home-Equity Department, Underwriters, Processors of loan and other lenders.

Reviewed/Processed and prepare documents for closing on mortgages for residential refinanced mortgages.

Calculated Payoff-Statements, LAV (Loan to Value Ratio's, Order subordinations from lenders and lien holders prepare preliminary hud1 statements.

UNDERWRITING AND MORTGAGE SOFTWARE

Encompass, LPS & LIS Systems, Res Direct, Calyx/Point, AS400, LMA Database, SASE Level II, Home Base, Home Saver, Iportal, Stewart, Urban, Landsafe, Lamp, StatusMart, Arrow, Litigation Tracker, ICMP, NETR ONLINE.

PROFESSIONAL AFFILIATIONS

National Notary Association

NOTARY SIGNING AGENT

SASE/SAFE- Conventional Underwriting APL 1 and 2

Authority Nationwide Mortgage Licensing System NMLS#885642

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