Victoria Bernhardt

Sayreville, NJ ***** · 201-***-**** · ad0v72@r.postjobfree.com

EDUCATION:

University of Scranton, Scranton, Pennsylvania

Bachelor of Science, Business Management

PROFILE SUMMARY:

Mortgage Professional with over 30 years’ experience in the mortgage industry with specialization in mortgage underwriting.

Background in all mortgage areas including retail and wholesale originations, processing, closing, underwriting and quality control.

Comprehensive knowledge of all Governmental and investor underwriting guidelines including, Fannie Mae, Freddie Mac, and FHA

Subprime underwriter

Home Equity underwriter

Actively led State audits as required

Designated and authorized FHA DE Underwriter

Actively performed ongoing audits of loans reviewed by post-closing vendors to ensure quality of vendor reviews

Software systems used include Encompass and Calyx

Laura Mac experience

WORK EXPERIENCE

National Mortgage Staffing

QC Contract underwriter 2/2023 to present

Underwriter closed loans for compliance

Reviewed closed 1st and 2nd mortgages for underwriting and compliance

Homebridge Financial, Iselin, NJ

QC underwriter, September 2020 – August 2022

Completed full loan quality review, covering all aspects of credit, income, assets, and collateral confirming investor guidelines for Freddie Mac, Fannie Mae, FHA and Simple Access.

Entered clear and concise infractions into ACES, identifying the defects discovered in the review of the pre-funding file. Identify any trends and report findings to management.

United Teletech Federal Credit Union, Tinton Falls, NJ

Underwriter/Team Lead, October 2019 – July 2020

Reviewed FHA and conventional loan files. Prepared wires for fundings and sale of loans to investors

Novartis Federal Credit Union, East Hanover, NJ

Senior Underwriter, March 2018 – October 2019

Underwriter of mortgage loans using AUS for review of credit, income and collateral. Manual underwrite second mortgages held in portfolio.

Trained, and provided ongoing guidance and supervision to processors and loan officers on agency guidelines.

First Alliance Home Mortgage, Cranford, NJ

Senior Underwriter, August 2017 – November 2017

Underwriter of conventional and FHA mortgage loans using DU and LP for review of credit, income and collateral.

Responsible for review of loans to clear to close including complete title and insurance review.

Plaza Home Mortgage, Jacksonville, FL

Senior FHA Underwriter, August 2016 – May 2017

Wholesale FHA underwriter

Underwrite exclusive FHA loans for mortgage brokers

Daily contact with brokers to provide them with updates on loans in process

Kwik Mortgage, South Plainfield, NJ

Senior Underwriter, April 2015 –July 2016

Underwriter of FHA and conventional mortgage loans. Remedied any loan with deficiencies after sale to investors.

Real Estate Mortgage Network, Iselin, NJ

Senior Underwriter, April 2014–April 2015

Responsible for underwriting conventional mortgage loans including FNMA Home-style loans Manually underwrote jumbo loans to investor guidelines

JP Morgan Chase, Iselin, NJ

Contract Underwriter, 2007–2009

Mortgage Banking Underwriting Team Manager, 2009 – March 2014

Managed staff of 8 underwriters

Authorized to Underwrite jumbo loans to $1,250,000

Successfully trained all new underwriting staff to allow for achievement of full underwriting authority

Accountable for improving all relevant quality metrics necessary of all underwriters who have lost lending authority via formal mentoring process

Washington Mutual (Long Beach Mortgage), Clark, NJ

Contract Underwriter, 2003-2005

Operations Manager, 2005- 2006

Bank of America (Formerly Fleet Bank), Clark, NJ

VP, Director of Operations, 1998-2001

CERTIFICATION

FHA Chums ID

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