Astrid Prieto-Ray

FHA Jumbo Mortgage Underwriter

**** ************ ***** ****

Charlotte, NC 28269

704-***-****

ad0pj6@r.postjobfree.com

EXPERIENCE

Cardinal Financial LP, Charlotte, NC — Underwriter III

(Remote)

March 2015 - October 2023

Validated automated underwriting findings, asset, income, and credit documents while verifying accuracy and completeness to render decisions on conventional, FHA, and non-conforming loans. Communicated with processors, sales management, or processing management to ensure all parties were aware of loan status and any outstanding requirements. Ensured loans were being underwritten quickly and within compliance of current agency, investor guidelines. Found solutions to challenging scenarios or loan conditions by working with underwriting or processing colleagues as needed. One of three (3) Underwriters on a team of 10+ who was delegated with Jumbo Underwriting Authority.

Indecomm Global Services, Charlotte, NC — Conventional Mortgage Underwriter

MAY 2014 - MARCH 2015

Reviewed regulatory compliance with disclosures, validated data used by an automated underwriting system to decision loans, and performed a comprehensive review of the appraisal report. Determine if loans met underwriting guidelines, product guidelines, investor requirements and eligibility requirements. Analyzed credit reports, all necessary income and asset documentation, and title reports. Updated information in the loan origination system with the appropriate loan status and related conditions. Reviewed and cleared conditions prior to closing.

Accenture, Charlotte, NC — Underwriter II

APRIL 2009 - FEBRUARY 2014

Reviewed, analyzed and decisioned loans within Company, Fannie Mae (FNMA), and Freddie Mac (FHLMC) guidelines. Verified income/tax returns, asset documentation, appraisals, credit reports, etc., to clear conditions for final approval on conforming conventional loans. Conveyed outstanding conditions and decisions to Processors and Mortgage Consultants/Loan O cers. EDUCATION

University of North Carolina, Chapel Hill, NC — Master of Regional Planning

AUGUST 1998 - DECEMBER 2000

Dual Concentrations in Housing and Community Development. Morgan State University, Baltimore, MD — Bachelor of Arts in History

AUGUST 1995 - MAY 1998

Cum Laude Graduate.

HIGHLIGHTS

Over 18 years of mortgage

experience

Over 14 years of front-line

underwriting experience

Manual Underwriting

Jumbo Underwriting

Down Payment Assistance

and Bond loan experience

Complex loan scenarios

(self-employed, multiple

properties)

CERTIFICATIONS

Accredited Mortgage

Professional (AMP),

Mortgage Bankers

Association (Dec 2022)

Certified Residential

Underwriter (CRU), Mortgage

Bankers Association (Nov

2022).

Certified Housing Counselor,

NeighborWorks America

(June 2008)

Certificate in Nonprofit

Management, Duke

University (July 2003)

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