Diana R. Sellers

Glendale, CA

ad08qe@r.postjobfree.com Cell: 818-***-****

EXPERIENCE

Redstone Mortgage LLC 2/2022-9/2022

Escalation Manager (Liaison between Sales, Processing and Underwriting)

In-charge of dealing with and resolving customer escalations while maintaining a strong relationship with the customer.

Manage high level communication with clients and internal leadership on all escalations from engagement to resolution.

Escalate roadblocks with internal departments from origination to closing.

Educate, mentor and train employees from sales to operations for quality assurance.

Assist with ensuring the loan process flows as quickly and with quality to minimize any post-closing issues. CMG Mortgage 5/2021 – 1/2022

DE Underwriter

• Underwrite FHA, Conventional, and Jumbo mortgage loans.

• Analyze complex tax returns and financial statements, including business, corporate and partnership returns.

• Compliance with Investor Guidelines, Agency, FHA, VA.

• Single signing authority up to agency loan limits.

• Evaluate risk and ensure quality of each loan.

• Determine other methods/documentation to meet Investor Guidelines.

• Analyze counteroffers for compliance and acceptability. Work with Loan Officers to restructure a problematic loan.

• Monitor, track and clear Conditions for compliance with Underwriter Guidelines.

• Determine accuracy and completeness of underwritten loans for compliance with specified Investor Guidelines.

• Review and evaluate credit packages, appraisals AND asset documentation. Better Mortgage 12/2019-5/2021

DE UNDERWRITER

Underwrite FHA, Conventional, and Jumbo mortgage loans.

Analyze complex tax returns and financial statements, including business, corporate and partnership returns.

Compliance with Investor Guidelines, Agency, FHA, VA.

Single signing authority up to agency loan limits.

Evaluate risk and ensure quality of each loan.

Determine other methods/documentation to meet Investor Guidelines.

Analyze counteroffers for compliance and acceptability. Work with Loan Officers to restructure a problematic loan.

Monitor, track and clear Conditions for compliance with Underwriter Guidelines.

Determine accuracy and completeness of underwritten loans for compliance with specified Investor Guidelines.

Review and evaluate credit packages, appraisals AND asset documentation. SIERRA PACIFIC MORTGAGE 2/2018-11/2019

DE UNDERWRITER

Underwrite FHA, Conventional, and Jumbo mortgage loans.

Analyze complex tax returns and financial statements, including business, corporate and partnership returns.

Compliance with Investor Guidelines, Agency, FHA, VA.

Single signing authority up to agency loan limits.

Evaluate risk and ensure quality of each loan.

Determine other methods/documentation to meet Investor Guidelines.

Analyze counteroffers for compliance and acceptability. Work with Loan Officers to restructure a problematic loan.

Monitor, track and clear Conditions for compliance with Underwriter Guidelines.

Determine accuracy and completeness of underwritten loans for compliance with specified Investor Guidelines.

Review and evaluate credit packages, appraisals AND asset documentation. AMERICAN INTERBANC MORTGAGE, Irvine, CA 9/2015 – 1/2018 DE Underwriter

Underwrite FHA, Conventional, and Jumbo mortgage loans.

Analyze complex tax returns and financial statements, including business, corporate and partnership returns.

Compliance with Investor Guidelines, Agency, FHA, VA.

Single signing authority up to agency loan limits.

Evaluate risk and ensure quality of each loan.

Determine other methods/documentation to meet Investor Guidelines.

Analyze counteroffers for compliance and acceptability. Work with Loan Officers to restructure a problematic loan.

Monitor, track and clear Conditions for compliance with Underwriter Guidelines.

Determine accuracy and completeness of underwritten loans for compliance with specified Investor Guidelines.

Review and evaluate credit packages, appraisals AND asset documentation. PROSPECT MORTGAGE, Sherman Oaks, CA (Contract) 2/2015 – 8/2015 DE Underwriter

Underwrite Conventional, FHA and VA loans, in compliance with Investor Guidelines.

Single signing authority up to agency loan limits.

Evaluate risk and ensure quality of each loan.

Analyze complex tax returns and financial statements, including business, corporate and partnership returns.

Exercise judgment about ratios and guideline compliance in light of other off-setting circumstances.

Identify loans for exceptions.

Work with Mortgage Banking and Secondary Markets to resolve Conditions

Determine other methods/documentation to meet Investor Guidelines

Analyze counteroffers for compliance and acceptability

Monitor, track, and clear Conditions for compliance with Underwriter Guidelines.

Determine accuracy and completeness of underwritten loans for compliance with specified Investor Guidelines

Review and evaluate credit packages, appraisals, Asset documentation, and condo-documentation. NATIONSTAR MORTGAGE, Dallas, Texas (Contract) 5/2014 – 12/2014 DE Underwriter III

Managed a daily work queue of assigned pre-and post-closed audits of Conventional loans, FHA and USDA loans while upholding

service level agreements.

Completed thorough and forensic review of loan files to identify any underwriting deficiencies to investor guidelines.

Reviewed loans for quality assurance, compliance, policy adherence and risk.

Analyzed and reported deficiencies, defect and performance gaps.

Communicated results of reviews to internal business partners.

Evaluated and test new policies after implementation to insure governance, risk and compliance standards are met.

Provided advice, guidance and insight to origination and fulfillment business partners on defect trends.

HMDA reporting and updated CFPB requirements to improve HMDA reporting and FFIEC. RETREAT CAPITAL, Dallas, Texas (Contract) 9/2013 – 3/2014

Underwriter

Reviews and examines residential loan documentation for accuracy, completeness and responsible for the review of mortgage

loans for compliance with the Good Faith Estimate {GFE) and HUD-1 requirements of RESPA.

Remediation of findings related to RESPA tolerance errors including possible re-disclosure and calculation of any necessary

reimbursements.

Making recommendations of process improvements of the mortgage application process, RESPA, HUD-1, settlement practices disclosure

requirements going forward to prevent recurrence of compliance errors.

Evaluates credit decisions for accuracy based upon established risk parameters and in accordance with policy, program, and

product guidelines.

Provides feedback to business partners as appropriate.

Responsibilities include examination of several different types of lending (Conventional, FHA, home equity, etc.).

PLATINUM HOME MORTGAGE CORP., Carson, CA (Contract) 5/2013 – 9/2013 Senior Underwriter

Able to clearly communicate Conventional & FHA, Corporate and investor guidelines to business partners, sales personnel and

other associates within the company.

Analyze complex financials including 1040 Federal Income tax returns, business tax returns including 11205 Sub-Chapter S-Corp

returns, 1120 corporate returns, and 1065 LLC and partnership returns.

Develops income from complex financials that can be considered for qualifying purposes.

Responsible for remediation of findings related to RESPA tolerance errors including possible re-disclosure and calculation of any

necessary reimbursements.

Communicates loan decision to all appropriate parties within designated turn time.

Review's Compliance Manual, Loan Policy & Procedure Manual, Program Matrices, and Freddie Mac and Fannie Mae Seller's &

Servicers Guide.

MORTGAGE CAPITAL ASSOCIATES, Los Angeles, CA (Contract) 5/2012 – 5/2013 Underwriter

Analyzes complex financials including 1040 Federal Income tax returns, business tax returns including 1120S Sub-Chapter S-Corp

returns, 1120 corporate returns, and 1065 LLC and partnership returns.

Develops income from complex financials that can be considered for qualifying purposes.

Communicates loan decision (approval, suspends, and declines) to all appropriate parties within designated turn time.

Reviews Compliance Manual, Loan Policy & Procedure Manual, Program Matrices, and Freddie Mac and Fannie Mae Seller's &

Servicers Guide.

Conducted investigations of suspected or alleged mortgage fraud to include: loan servicing (e.g. short sale, modification),

foreclosure, REO, and loan origination and fraud schemes.

Also, analyzed and evaluated investigative progress to reassess priorities, leads, and direction. ONE UNITED BANK, Los Angeles, CA (Contract) 7/2011 – 5/2012 Compliance Underwriter

Reviewed all selected audit files for underwriting compliance, accuracy, documentation, and eligibility.

Analyzed conventional loan files to grade compliance and quality of the underwriter file.

Reviewed loan files for HMDA and CRA data, guided lending personnel to acquire data as needed for HMDA/CRA reporting.

Provided HMDA and CRA reports to internal audit, regulators and management as required.

BANK OF AMERICA, Agoura Hills, CA (Contract) 11/2010 – 6/2011

Underwriter

Underwriting requests from Auditor II to further investigate possible fraud in the loan origination of the defaulted loans.

FNMA, Pasadena, CA (Contract) 6/2010 – 10/2010

Underwriter

Underwrote defaulted loans for repurchase do to loan being undeliverable to the Investor.

Diligently identifying transaction components that indicate the potential of fraud within the loan documents.

Performed sufficient investigative work to detail and resolved any fraudulent issues that may have been identified.

CHASE MANHATTAN MORTGAGE, Phoenix, AZ 3/2008 – 5/2010

Lead Underwriter

Managed 15 Senior Underwriters and 2 Junior Underwriters.

Reviewed all selected audit files for underwriting compliance, accuracy, documentation, and eligibility.

Responsible for evaluating the skill and knowledge level of Underwriters.

Assured management the underwriter knows the Policies and Guidelines with company and investor standards.

Provided mentoring to underwriters and loan processors.

Analyzed conventional loan files to grade compliance and quality of the underwriter file.

Prepared and delivered loan rebuttals, repurchases and escalations to investors and lenders.

Reviewed borrower's credit and invest or guidelines.

Followed up on suspense issues and resolve accordingly.

Strong understanding of Fannie Mae and Freddie Mac guidelines.

Assisted loan officers with underwriting guidance.

Excellent analytical and communication skills and able to underwrite to various investor guidelines.

CERTIFICATIONS:

Direct Endorsement FHA (Chums ID)

Full Conventional & Government Designations

NMLS #962834

OPERATING SYSTEMS:

DU, LP, DO, FHA Connection, Data Verify, Encompass, Calyx Point, Contour, Clout, Clues, LIS, MLCS, Core logic, E- magic, UCDP, The

Work Number, Mortgage Builder, Fraud Guard, Excel, Word, Loan Works, Geo Coder, Contour, Kiosk, Edge, Lexus Nexus, Cogent, TMO

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