**** ****** *** #***

Dallas, TX *****

Phone 214-***-****

E-mail acydfg@r.postjobfree.com

Ericka M. Culberson

Objective

My objective is to obtain employment in the mortgage underwriting industry where I can use my expertise and longevity in this field to be an asset to the company I am employed and to the mortgage industry as a whole.

Professional Experience

[April 2016-Current] Altisource Maryland Heights, MO.

Underwriter

Evaluate and analyze all documentation that comes in for home loans for Wholesale, retail, direct sales and correspondence. Verify the income and employment details of the applicant (incl. Self-employed borrowers) and reviewing the applicant's credit history scrutinize the accounts from which the applicant's funds seem to be originating. Analyze the appraisal of the proposed property and check whether it has been valued correctly to warrant the loan requested. Determine risk level while underwriting to various specific program guidelines and investors for approval and denials

[Jan. 2011- Jan 2016] MGIC Dallas, TX.

Team Lead/Senior Underwriter

Evaluate and analyze all documentation that comes in for home loans for Wholesale, retail, direct sales and correspondence. Verify the income and employment details of the applicant (incl. Self-employed borrowers) and reviewing the applicant's credit history scrutinize the accounts from which the applicant's funds seem to be originating. Analyze the appraisal of the proposed property and check whether it has been valued correctly to warrant the loan requested. Determine risk level while underwriting to various specific program guidelines for approval and denials. I also was a delegated MI underwriter for all channels of business. Responsible for efficient operation of the team – including timely completion of work, quality and accuracy of work, and proactive management of loans, both in screening and in underwriting. Responsible for effective communication within the Team and between the Team, Closing, Origination, and the Deputy Chief Underwriter and Chief Underwriter and Investors (Fannie Mae and Freddie Mac). Function as a problem solver and troubleshooter during the underwriting process. Function as an “issue identifier” throughout the process, ensuring that there are no last minute surprises that could have been noted earlier in the process. Assign tasks and specific work assignments to Team Members and follow up constantly. Act as a player/coach - ensure appropriate distribution of work between Analysts, and Underwriters. Interact with team members daily in prioritization of day-to-day activities of all members of the team. Provide guidance and training to Underwriters and Analysts. Analyst training over time should allow that person to be eventually equipped with the skills and experience necessary to become an Underwriter.

[Feb. 2008-Dec. 2011] EMC Consulting Mesquite, TX.

Mortgage Underwriting Consultant

Being self- employed during this time, From Feb of 2008 thru Dec 2011. I was contracted through the banks mortgage divisions as an underwriter. The clients were: Bank of America, Chase, CITI, Flagstar, Wells Fargo, and Affiliated Bank. During this time, I underwrote loans for these clients during this time with and average loan submission for each client of 5 loans per day, which gave me on average 30 loans per day. I underwrote conforming and non-conforming loans; Jumbo, and conventional loans to most all Fannie and Freddie Products as well as to specific investor guidelines. I also manually underwrote loans for all of the clients. I hold a signing authority of up to 2 million dollars. In addition to contract underwriting services, from March of 2009- Dec 2011; I began to perform QC audits for Bank of America, Chase and Wells Fargo for their investor division on pools of loans or individual loans they were considering for purchase and provided audit results and feedback on those loans and provided notice of repurchase to the loans that did not qualify or were deficient on documentation and elevated risk factors.

[ June 2007- Nov.2007 ] Franklin Mortgage Irving, TX.

Mortgage Underwriter

Evaluate and verify mortgage loan applications and closed packages to determine the level of risk to the company as investors to specific state specific guidelines before individual/ or bulk purchases.

[ April 2004- June 2007 ] American Brokers Conduit Dallas, TX.

Senior Underwriter

Evaluate and analyze all documentation that comes in for home loans or building loans. Verify the income and employment details of the applicant and reviewing the applicant's credit history scrutinizes the accounts from which the applicant's funds seem to be originating. Analyze the appraisal of the proposed property and check whether it has been valued correctly to warrant the loan requested. Determine risk level while underwriting to various specific program guidelines for approval or denials. Also, delegated MI Underwriter.

[ May 2002- April 2004 ] EMC Mortgage Irving, TX

Bulk Underwriter

Work with Sellers/investors to review underwriting due-diligence findings and negotiate/resolve underwriting deficiencies. Perform QC audits on files and review those findings with investors. Write and release re-purchase request. Coordinate final loan and funding schedules (or Term Sheets), collateral and funding. Perform QC audits for Bank of America, Chase and Wells Fargo for their investor division on pools of loans or individual loans they were considering for purchase and provided audit results and feedback on those loans and provided notice of repurchase to the loans that did not qualify or were deficient on documentation and elevated risk factors

[ June 2000- Nov. 2001 ] Bank of America Arlington, TX

Personal Banker

Responsible for generating business and deepening relationships by selling products and services to potential and existing customers. Responsibilities include achieving aggressive sales goals and providing high quality customer service. Selling financial products (e.g. Credit Cards, CD's IRA's, Loans). Opening deposit accounts and taking loan applications. Responding to customer inquiries and concerns and creating positive solutions. Recognizing and referring cross-sell opportunities. Performing daily/weekly sales reporting.

Interviewing and processing consumer loan/credit line requests for customers, and obtaining referrals from loan customers. Quoting rates, terms and programs for loan customer requests.

Education

[ Aug. 1993-May 1996 ] University of Texas at Arlington Arlington, TX.

Bachelors of Science with a minor in English

Completed 3 years of College in this degree field

[ May 1992 ] Mesquite High School Mesquite, TX.

Graduated with Honors

Professional memberships

Member of the BBB, Also a certified life coach with John Maxwell, Member of the Pastoral Alliance

References

Available upon Request

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