REBECCA PASCUA

ad0yje@r.postjobfree.com 818-***-****

Winnetka, CA 91306

SUMMARY

Results driven professional with more than 20 years of progressive (management) experience with Conventional,

Front-line underwriting in the retail, wholesale, correspondent and secondary market divisions. Technically savvy with well-versed knowledge of Fannie Mae/Freddie Mac guidelines and trends. Strong ability to collaborate with internal and external customers with team building and development skills. Continued success in delivering quality results throughout my entire career. Core Competencies & Key Underwriting Skills

• Planning, Strategy & Tactical Execution

• Strong Oral, Written & Reporting Skills

• Highly Productive, Organized & Time Managed

• Superior Decision Maker & Problem Solver

• Proficient Investigative Skills for Fraud

Detection

• Strong Knowledge of artificial intelligence

underwriting tools - DU/LP, WP2, FHA and

FHLMC appraisal evaluations

• Relevant knowledge of AUS guidelines and risk

assessment tools

• Perform Risk Analysis / Identify deficiencies

PROFESSIONAL EXPERIENCE

Millennial Home Loan - Now Cake Mortgage.

2/8/201- Present

• Underwrite conventional mortgage loans within established SLA requirements while maintaining file quality

• Experience Underwriter for Purchases. Conventional High Balance Loans,

• Responsible for setting and clearing loan conditions on files according to investor guidelines

• Adhere to all established processes and procedures

• Analyze income, credit, collateral, and asset documentation

• Ensure loan is in complaint with all company and investor guidelines

• Maintain clear and accurate notes and draft clear, concise well written reports

• Approve /Deny extension of credit based on lending partners and company guidelines wsvb

• Ensure the loan is compliant with Underwriting regulations and ensure all compliance documents are present and complete in the loan file.

SRE MORTGAGE

8/26/2020- 2/5/2021

• Underwrite conventional mortgage loans within established SLA requirements while maintaining file quality

• Experience Underwriter for Purchases. Conventional High Balance Loans,

• Responsible for setting and clearing loan conditions on files according to investor guidelines

• Adhere to all established processes and procedures

• Responsible for educating and mentoring all HSS within the company

• Analyze income, credit, collateral and asset documentation

• Ensure loan is in complaint with all company and investor guidelines

• Communicate with branch managers and loan officers for loan issues

• Maintain clear and accurate notes and draft clear, concise well written reports

• Approve /Deny extension of credit based on lending partners and company guidelines

• Ensure the loan is compliant with Underwriting regulations and ensure all compliance documents are present and complete in the loan file.

VELOCITY COMMERCIAL CAPITAL

9/26/2019 –8/25/2020

Commercial Underwriter

. Verifying property values, researching debt to income risk, analyzing credit reports for derogatory and delinquent items, documenting, and researching income, assets, and debt load.

. Analyzing complex financial documents and credit information for the review of files for approving, and or recommending specific modified treatments for each account.

. Reviewing and verifying notes in multiple systems of record to ensure they show the facts and support the recommendation.

. Reviewing and analyzing appraisals to ensure there is not a risk to the bank and/or our borrower.

. Applying for exceptions when strong favorable factors need to be looked at for a second review for treatment or non-treatment.

. Reviewing the loan appraisal and any supporting documentation in accordance with standard underwriting guidelines as defined by the product-specific investor and/or the agency guidelines.

. Verifying that all third party quality control supporting documentation is contained within the loan file has been reviewed and meets the company standards.

. Verifying that all requirements of the operations/policy manual, as it pertains to underwriting, have been met.

PENNY MAC

11/ 26/2016 – 8/25/2018- QA Analyst

8/26/2018- 9/25/2019 – Senior Underwriter

• Underwrite loans for U.S. Treasury and investor-based modification initiatives.

• Verify previous underwriter’s income/asset calculations and all documentation used for decision.

• Reviewed loans for compliance within bank and investor guidelines.

• Validating or overturning underwriter’s decisions based on program and investor guidelines.

• Maintained auditor scorecard at required 100%.

• Conducted training sessions for transformations in the program.

• Worked as liaison between team and management to relay all changes. Developed templates and standards for underwriting requirements used in specialized job functions Platinum Home Mortgage Corporation

11/2015 - 10/2016

Carson, CA

Sr. Underwriter

● Reviewed FHA, Conventional mortgage loans High Balance, Loans

● Responsible for setting and clearing loan conditions on files according to investor guidelines

● Adhere to all established processes and procedures

● Responsible for educating and mentoring all HSS within the company

● Analyze income, credit collateral and asset documentation

● Ensure loan is in complaint with all company and investor guidelines

● FHA underwriter CHUMS ID IJ40

● Produced a high number of loan decisions consistently while exceeding quality benchmarks.

● Communicate with branch managers and loan officers for loan issues CASHCALL Mortgage

07/2015– 10/2015

Sr. Underwriter

• Underwrite conventional mortgage loans within established SLA requirements while maintaining file quality

• Responsible for setting and clearing loan conditions on files according to investor guidelines

• Adhere to all established processes and procedures

• Responsible for educating and mentoring all HSS within the company

• Analyze income, credit, collateral and asset documentation

• Ensure loan is in complaint with all company and investor guidelines

• Communicate with branch managers and loan officers for loan issues

• Maintain clear and accurate notes and draft clear, concise well written reports

• Approve /Deny extension of credit based on lending partners and company guidelines

• Ensure the loan is compliant with CFPB regulations and ensure all compliance documents are present and complete in the loan file.

Xceed Federal Credit Union

El Segundo, CA

4/2014 - 6/2015

Sr. Underwriter

• Decision Conventional Full Documentation Loans per Credit Union Guidelines

• Set Clear/Concise conditions

• Perform clean-up activities; validate data, missing documents, verify, etc. Deliver final set of reports

• Manage underwriting team for any QC issues.

• Communicate with branch managers and loan officers on all exceptions

• Manage re-work queue for any loan amount changes or change in circumstances

• Analyze income, credit, collateral and asset documentation

• Review vesting, any liens and/or judgments on Prelim Title for compliance

• Ensure loan is compliant with Client and Investor guidelines. Wells Fargo Home Loans

Santa Ana, CA 10/26-2012- 4/25-2014

Underwriter III

• Decision loans and issue final approval, denial, or suspension. Set/clear conditions.

• Review and decision income, credit, Assets, and property documentation on loans for compliance with client and investor guidelines.

• Review documentation for redraw requests from the closing table for continued compliance.

• Add/clear applicable conditions associated with redraw.

• Underwrite loan files for quality and compliance.

• Managed and conducted training classes for new team members.

• Review and decision vesting, PMI, title issues prior to or at closing for continued compliance with client and investor guidelines.

• Maintain detailed and accurate notes and draft clear, concise, and well-written reports.

• Contribute to the development of consulting capabilities and effectively articulate key business propositions to clients.

• LOS - Encompass & Prime Alliance

• Complete all required checklists.

Bank of America

Thousand Oaks, CA

03/2001– 11 /2012

Senior Internal QC/Underwriter

• Underwrite loans for U.S. Treasury and investor-based modification initiatives.

• Verify previous underwriter’s income/asset calculations and all documentation used for decision.

• Reviewed loans for compliance within bank and investor guidelines.

• Validating or overturning underwriter’s decisions based on program and investor guidelines.

• Maintained auditor scorecard at required 100%.

• Conducted training sessions for transformations in the program.

• Worked as liaison between team and management to relay all changes.

• Developed templates and standards for underwriting requirements used in specialized job functions.

Washington Mutual

Encino, CA 05/1995 -

2/2004

Senior Underwriter, Manager/Loan Origination

• Handled all special audits assigned by Division Underwriting Manager for statistical sampling of underwriter product/geographical targeted areas of concentrated fraud.

• Audit and review credit files for accuracy and quality.

• Handled customers concerns with escalated issues pertaining to required conditions and approvals.

• Prepare Activity Reports in compliance with established regulatory guidelines and time frames.

• Ensured all guidelines and procedures were being met according to investor and company policies and procedures.

• Worked directly with customer’s priority issues to meet deadlines and stay in compliance to ensure customer satisfaction.

CERTIFICATIONS AND EDUCATION:

Bachelor of Science in Accounting

Central College of the Philippines

SOFTWARE SKILLS / TOOLS

Proficient in MS Office including Word, Excel, PowerPoint, Outlook; Lexis-Nexis, Patriot Officer, Actimize Software Business and Customer ID Verification, Credit Risk and Fraud Risk Scoring, Anti- Money Laundering and Risk Management Tools, and OFAC Screening and Case Management Platform

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