Customer Service Professional Experience

Denise Gardner *****************@*****.*** 813-***-****

A Mortgage Underwriter Professional Seeking a career opportunity within the financial industry which will challenge my ability to make effective decisions leading to efficiency, growth and profitability of an organization.

Qualification Summary

A Mortgage Underwriter with over 10 years of experience in Conventional Mortgage Residential Lending including Credit Assessment, Risk Analysis, Credit Investigation, Property Appraisals. Analytical with attention to detail with knowledge and background in Underwriting, Risk Assessment and Due Diligence. Reviewed loan data, policies and procedures to ensure no exposure of fair lending risks per HMDA regulations. Ability to develop and implement administrative procedures to increase productivity and efficiency, communicate effectively at all levels, and interact supportively within a team environment. Highly knowledgeable in all mortgage and loan products and regulations. Exceptional verbal and written communication skills. Detail oriented approach to underwriting. Utilized critical thinking and creative problem solving abilities to resolve complex financial challenges while handling a high volume of files and received customer service awards.

Professional Experience

Bank of America Tampa, FL

Senior Mortgage Underwriter July 2016 to Present

Underwritten residential mortgage loans that are large and more difficult/complex to ensure that all credit and compliance documents are included for review and approval

Examine loan documents for accuracy and completeness, work with the loan originator, processor and other production staff to secure all required documents.

Recommend modifications on restructuring loans to fit the products and programs suited for the borrower’s needs.

Thorough knowledge of complex personal, self- employed/business tax returns.

PNC Mortgage Jacksonville, FL

Conventional Mortgage Underwriter September 2015 to June 2016

Underwritten residential mortgage loans to ensure that all credit and compliance documents are included for review and approval

Review & underwrite Conventional loans and Harps products

Thorough knowledge of complex personal and business financial analysis and proficient at cash flow and Adjusted growth income analysis and corporate tax returns

Reviewed loan files for completeness and accuracy, analyzing credit documents, title documents, Appraisals and all applicable compliance documents while adhering to all client/lender policies and procedures.

JP Morgan Chase, Tampa FL

Jumbo Mortgage Underwriter March 2015 to August 2015

Underwritten residential first mortgage loans to ensure that all credit and compliance documents are included for review and approval

Review & underwrite Conventional Jumbo portfolio loans to Non-Agency standards and program guidelines thru Allregs.

Thorough knowledge of complex personal and business financial analysis and proficient at cash flow and Adjusted growth income analysis and corporate tax returns

Experience in underwriting manual loans.

Reviewed loan files for completeness and accuracy, analyzing credit documents, title documents, Appraisals and all applicable compliance documents while adhering to all client/lender policies and procedures.

Communicated with the Correspondent Investors and provided assistance and direction to Correspondents on issues regarding Chase Correspondent Non- delegated underwriting guidelines and procedures.

Nationstar Mortgage, Irving, TX

Remote Mortgage Underwriter September, 2012 to February, 2014

Specialized in conventional mortgage loans ensuring that our company and investor guidelines were met.

Made structural recommendations and reviewed documentation for accuracy and completeness.

Proven ability to handle high volume files while flow of communication between processors and mortgage loan officers were maintained.

Responsible for analyzing credit, capacity and collateral in accordance with established policies and procedures.

Completed manual underwriting and completed numerous AUSs including DU, LP

Underwrote conforming and non-conforming mortgage loans.

Adhered to FNMA and Freddie Mac guidelines consistently.

Maintain loan quality by adhering to internal procedures, compliance requirements and underwriting guidelines. Provide excellent customer service skills.

Suggested alternative products for loan approval should the loan not fit the program guidelines in which it was submitted; assist in counteroffering approvable programs.

Maintained current knowledge with residential and income lending practices in order to effectively evaluate compliance with HMDA and fair lending regulations and laws.

Ensured appropriate record entries are made on the HMDA loan/application register (LAR), using the APR WIN software.

Adhered to all applicable compliance regulations and Right to Financial Privacy per HMDA regulations.

StrategicStaff/USAA FSB, Tampa, FL

Conventional and VA Underwriter-Interim January, 2012 to August, 2012

Responsible for evaluating, approving or rejecting loan applications based on established criteria.

Determined credit worthiness and appropriate line of credit approval for qualified borrowers based on credit documentation and statistical analysis.

Worked independently within defined parameters for resolution of issues and identification of appropriate issues for escalation.

Reviewed borrower’s credit, income, tax returns and asset documentation as well as review and approval of property appraisals.

Identified trends in HMDA data for potential risk impacts and provided guidance on identified risks.

Determined HMDA regulations policies were accurate using the Settlement Statement.

JC III and Associates, Tampa, FL

Forensic Underwriter October, 2011 to January, 2012

Performed full credit and compliance review of borrower’s ability to pay using income and asset documentation.

Reviewed, rebutted, and defended loans rejected by buyers enabling sellers to maximize loans sold in a portfolio pool.

Conducted front line due diligence underwriting on conventional platforms.

Ensured all guidelines of Freddie and Fannie Mae were met.

Reviewed Truth-in-Lending, HMDA and RESPA regulations for accurate data input.

Performed targeted HMDA testing on line of business controls for HMDA risk factors.

Completed Forensic Underwriting which included: researching written requests when necessary, re-underwriting the original files to determine whether appropriate guidelines were met.

Reviewed loan files for completeness and accuracy analyzing credit documents including mortgage applications, credit history and income documents, title documents, appraisals and all other compliance documents.

Conducted fair lending examination on denied loans to ensure HMDA regulations were completed.

Used HMDA and RESPA regulations to ensure non-discriminating lending was performed.

Clayton Group, Shelton, CT

Mortgage Underwriter June, 2006 to September, 2011

Conducted front line and due diligence underwriting on Conventional/Conforming loan products.

Analyzed loan data and prepared maps and reports upon request using Fair Lending software for HMDA.

Evaluated debt ratios, loan-to-value ratios and property valuations.

Complied with all Freddie Mac and Fannie Mae guidelines and standards.

Completed Travel Assignments in various countries for underwriting.

Technical Skills

Office Applications: Microsoft Word and Excel; Lotus Notes, Underwriting Systems: DU, LP - Awarded certificate for successful completion of various underwriting classes provided thru MGIC, PMI, and Radian Guaranty MI companies. LOS system, Mortgage ware, APR/WIN software for HMDA & APR Testing for data integrity. TRID- TILA, Regulation B, C, Z and O, and AML. Fraud investigation using Lexus Nexus and Data Verity, Fraud Guard.

Personality Traits

Exceptional presentation and interpersonal skills, able to handle the pressure situations, able to work individual as

well as in group, excellent communication skills in written and verbal both, good analytical and problem solving

skills, quick decision maker, dedicated towards work, target oriented and Punctual.

Languages known: Fluently in both English and Spanish languages.

Contact this candidate