Customer Service Real Estate

Calandra Anthony

**** ****** **** ****** ******** AL 35022

Mobile Phone: 334-***-****

E-mail: acymox@r.postjobfree.com

Career Objective

To obtain a position in mortgage banking where experience in underwriting, Originating, training, processing, sales, closing and team leadership, is required. Strong desire to utilize analytical, communication, and organizational skills.

Professional Experience

CITYWIDEHOME HOME LOANS

Jr Remote Underwriter/ Processor/ Paperless System

August 2015 – July 2016

More than 15 years of processing and Jr underwriting experience with Full Conventional and Government Underwriting terms and a complete understanding of legal, regulatory, economic, competitive and technological environments which potentially affect Real Estate Lending programs.

Skills: Wholesale & Retail Loans experience TRID Competent Encompass and Caylx competent Reverse Mortgages Purchase Refinance Construction Bond loans Streamlines Understanding Residential Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Account Service Excellence, Origination, FNMA, Processed FHA, VA and Conventional loans. Worked with DU, LP and ordered payoffs, titles, flood cert, and hazard insurance. Submitted file, cleared conditions and scheduled closing. Analyze the following: tax returns for corporations as well as partnerships for self-employed borrowers (1120, 1120S, 1040, Schedule C and P&L statements).

FIRST MORTGAGE CONSULTANT- BIRMINGHAM AL

Jr Remote Underwriter/Processor /Paperless System

January 2014 – Present (Part-time position)

Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close.

Skills: Residential Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Account Service Excellence, Origination, FNMA, Processed FHA, VA and Conventional loans. Worked with DU, LP and ordered payoffs, titles, flood cert, and hazard insurance. Submitted file, cleared conditions and scheduled closing. Analyze the following: tax returns for corporations as well as partnerships for self-employed borrowers (1120, 1120S, 1040, Schedule C and P&L statements).

Regions Bank- Montgomery AL

Mortgage Loan Processor II

July 2013 to December 2013

Processed FHA, VA and Conventional loans on Empower system. Briefly trained on Empower.Net system. Worked with DU, LP and ordered payoffs, titles, flood cert, and hazard insurance. Submitted file, cleared conditions and scheduled closing.

Wells Fargo Home Mortgage- HOMEWOOD AL

FHA Consumer Underwriter I

July 2012 to July 2013

Underwrite FHA mortgage loans in the Loss Mitigation Department.

Authorized to decision Level FHA transactions in accordance with underwriting policy and procedures per investor group servicing guidelines and requirements.

Ensures that my decisions are within the authority granted and are consistent with Wells Fargo Home Mortgage credit philosophy, policy and parameters.

STAFFMARK/BBVA COMPASS BANK -BIRMINGHAM AL

LOAN COORDINATOR

July 2010- October 2011

Prepared daily reports and loan status, maintained good relationship with clients, looked after queries and problem of customers regarding loans and checked loan applications provided by customers along with Analyzed credit reports

FIRST MORTGAGE CONSULTANT- BIRMINGHAM AL

Sr. Mortgage Loan Processor January 2005 – July 2010

FHA, VA, Streamline, HARP

Responsible for maintaining a pipeline, that ranged anywhere from 30-60 loans at a time. Worked directly with customers, loan officers and underwriters to obtain all necessary documents for loan approval and closing. Working with FHA, VA, Streamline, HARP, USDA and Conventional loans, contacting each customer at least every 3 days to provide updates or to obtain additional information needed to get 20 or more loans approved and closed within 30 days or less

Ability to clearly communicate FNMA and government guidelines to customers, processors and sales associate.

• Ability to make timely, accurate decisions on all underwriting transactions.

• Acts as secondary review and escalation point for government loans.

• Ability to work in a high volume fast paced work environment.

• Analyzed credit, income, assets, appraisal and title prior to final approval.

• Review and cure any investor post-closing suspense requirements

• Review receipt of any conditions, stipulations or pre-funding requirements

• Review Appraisal per FHA and Conventional Guidelines.

• Reviewed credit report, GFE, TIL and Hud for compliance.

• Review of appraisal to insure collateral meets all industry standards

• Through knowledge of DU/LP validations (automated underwriting)

• Understanding of risk assessment of both credit and collateral process

• Underwrite FNMA

• Manage expected service levels related to decisions and condition clearing

• Ensure and provide high level of customer service and being flexible.

• Utilize all systems in place, including automated.

• Comply with compliance RESPA Laws statewide and federal regulations.

• Manage expected service levels of Professionalism with investors and wholesale brokers and their processor.

• Provide and ensure high level of communication and flexibility.

• Emcompass, Microsoft Outlook,

• Comply with compliance RESPA Laws statewide and federal regulations.

CITIFINANCIAL – Loan Processor

October 2004 –January 2005

Demonstrated ability to gain customer trust and provide exceptional follow-up, leading to increased & repeat business referrals. Talent for identifying customer needs and presenting appropriate company products and service offerings.

SOUTHTRUST BANK

04/1997-09/2004

Mortgage Processor

Processed consumer real estate and Commercial loans and Conventional delegation to underwrite loans up to 150k and processed loan above 150k analyzed decision and gathered the required documents to approve or deny files for Conventional loans of purchases, refinance and home equity mortgage loan.

Commercial Loan processor

Loan officer’s “needs list”, re-review documentation in file by imputing any changes into the computer systems; appraisal, verify titles, income and etc…

Education

10/7/2007 TO 4/26/2009 American InterContinental University Hoffman Estates, IL

ASSOCIATE'S (AABA) - BUSINESS ADMINISTRATION

February 2013 Capstone Institute of Mortgage Finance

FHA DE Underwriting Training, VA, and Conventional loans Certificate

References available upon request

Contact this candidate