JENNIFER JEFFERSON

Corona, CA/ 714-***-****

acyg1u@r.postjobfree.com

SENIOR UNDERWRITER & MORTGAGE SPECIALIST

A talented and accomplished Sr. Mortgage Underwriting professional with extensive experience in Loan Origination, Underwriting and Loss Mitigation. Proven strong customer service, written and verbal communication skills. Highly knowledgeable in all mortgage loan products, regulations and ability to work with clients of all levels to meet all financial requirements.

PROFESSIONAL EXPERIENCE

Credit Review Specialist 4, US Bank Home Mortgage, Irvine 12/2008-1/2017

Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.

Conduct verification of income and calculate customer’s front and back-end ratio.

Analyze full documentation loan package and render decision based on underwriting guidelines.

Verify occupancy of subject property and current market value.

Sr. Underwriter, Downey Savings and Loan, Newport Beach 2/2001-12/2008

Perform final approvals and reviewing the entire loan file through verifications processes, including adherence to multiple investor guidelines and compliance.

Underwrite loan files to determine compliance with the company, investor, FHA, jumbo and portfolio guidelines.

Maintain quality control standards, while also maintaining production standards by company’s definition.

Ability to assess an individual’s creditworthiness while adhering to all regulatory and compliance requirements.

Assist mortgage loan personnel with product guidelines, required loan documents and approve condition changes.

Sr. Funder, Hawthorne Savings, El Segundo 8/2000-2/2001

Prepare loan documents.

Review and sign off escrow and final prior to funding conditions.

Perform complete audit, coordinate and execute final funding documentation.

Jr. Underwriter, Homecomings Financial/RFC, Newport Beach 4/1998-8/2000

Required to assist underwriter by completing loan change requests, rate increases, etc., by utilizing Assetwise/DU automated underwriting systems.

Review, sign off underwriting conditions and prepare files for document preparation

Maintain weekly reports on loans that is in process, denied and/or cancelled.

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