Roselle J. Diles

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

Antioch, CA 94509

Telephone 925-***-****

Employment History

Caliber Home Loans April 1, 2019 – Sept 20,2022

**** ***** ******** **** ****** Underwriter

Coppell, TX 75019 DE/VA Certified

Currently working remotely to underwrite residential home loans to ensure compliance and determine eligibility according to FHA, VA, FNMA, FHLMC and Caliber Home Loans Lending Criteria. Use of LPA and DU as required per underwriting guidelines.Worked in Quality Assurance for 3 month. First Choice Loan Services Inc. Nov. 26, 2018 – February 11,2019 One Tower Center, Floor 18 Senior Underwriter

East Brunswick, NJ 08816 DE/VA Certified

Responsible for compliance and risk underwriting of all conventional mortgage loan programs, government loan programs, including FHA, VA and non-conforming loan programs. Dependent upon division and complexity of underwriting, functions include reviewing the character (credit), capacity (ability to repay), capital (assets) and collateral (home) according to First Choice Loan Services Inc. Lending Criteria. Use of LPA and DU as requires per underwriting guidelines. Caliber Home Loans April 28, 2017 - Nov . 6, 2018

1525 South Beltline Road Underwriter DE/VA Certified Coppell, TX 75019

Worked remotely to underwrite residential home loans to ensure compliance and determine eligibility according to FHA, VA, FNMA, FHLMC, various Bond Loans and to Caliber Home Loans Lending Criteria. Use of LPA and DU as required per underwriting guidelines. Banc of California August 14, 2014 - April 27, 2017 4071 Port Chicago Hwy Suite 130 Underwriter DE/VA Certified Concord, CA 94520

Underwrite residential home loans to ensure compliance and determine eligibility according to FHA, VA, FNMA, FHLMC and Banc of California Lending criteria. Use of LP and DU as required per underwriting guidelines.

Abbott Staffing Group April 14, 2014 - August 13, 2014 2355 Northside Drive, Suite 100 Underwriter/DE Certified San Diego, CA 92108

Underwriting on temporary assignment for the Banc of California in the Concord location. Duties are the same as from previous position.

Banc of California Jan 28, 2013 - April 4, 2014

2121 N California Blvd, Suite 625 Underwriter/DE Certified Walnut Creek, CA 94596

Underwrite residential home loans to ensure compliance and determine eligibility according to FHA, VA, FNMA, FHLMC and Banc of California Lending criteria. Use of LP and DU as required per underwriting guidelines.

Stearns Lending March 12, 2012 - Jan 25, 2013

1320 Willow Pass Road, Suite #100 Underwriter/DE Certified Concord, CA 94520

Underwrite loans to ensure compliance and determine eligibility according to FHA, FNMA, FHLMC and Stearns Lending criteria. Use of LP and DU as required per underwriting. Prospect Mortgage October 1, 2008 - March 9, 2012

1800 Sutter Street, Suite #450 Sr. Underwriter/DE Certified Concord, CA 94520

Underwrite residential home loans to ensure compliance and determine eligibility according to FHA, FNMA, FHLMC and Prospect Mortgage criteria. Support new underwriters and processors with systems training and guidelines. Use of DU and LP as required per underwriting. Indymac Bank November 3, 2006 - August 2008

4000 Executive Parkway, Suite #400 Retail Underwriter San Ramon, CA 94583

Evaluated and underwrite loan requests received through EMITS system for Jumbo, Seconds & Conventional home loans for approval according to IMB, FNMA &FHLMC guidelines. Review of all income, credit, asset and appraisal documentation provided by borrowers for single family, 1-4 unit and investment properties acceptable to FNMA, FHLMC and IMB criteria. Completed manual underwrites when exceptions were required.

First Magnus Financial Corporation December 19, 2005-October 2006 1850 Gateway Boulevard, Suite 240 Sr. Underwriter

Concord, CA 94520

Manually underwrite Jumbo, Seconds & Conventional loans for approval according to FMFC guidelines. Review of all income, credit, asset and appraisal documentation provided by borrowers for single family, 1- 4 unit and investment properties acceptable to FNMA, FHLMC and FMFC criteria. Use of DU, LP other AUS as required per underwriting guidelines

Program Knowledge

Windows applications, Outlook, EMITS/MIPS, Encompass Anywhere, Net Oxygen, MS Office, Loan Tracker, CALYX Point, Contour, Pronet, Datatrak/EDM paperless systems, DU & LP.