Sonni Wong

Sr. Underwriter

Oak Park CA

626-***-****

ad1dpf@r.postjobfree.com

OBJECTIVE

My most recent employer closed their doors for business on January 3rd, 2023. With over 25 years in the mortgage industry, I’m looking to further enhance my skills and share my expertise. I am open to in-office or remote opportunities.

KEY SKILLS

EXPERIENCE

Non-QM underwriting

Income analysis

Team Management

Training

Audit

Forensic Underwriting

Expert underwriting witness in court

Wholesale / Retail experience

November 2020 – January 3, 2023 (Company closed)

UNDERWRITER • Athas Capital Group, Inc., Calabasas, CA

Evaluated and analyzed both consumer and business purpose loan files for non-QM guidelines

Communicated with sales and operations for optimal loan structure to assure high production and adherence to guidelines

Executed excellent service for both brokers and clients

May 2014 – November 2018

FINANCIAL ADVISOR • World Financial Group, Beverly Hills CA

Educated community on basic financial concepts

Trained new associates one on one and in a group setting

Helped clients with life insurance, annuities, and debt resolution as a licensed life and health agent

April 2015 – November 2016

SR. UNDERWRITER • Robert Half (temp position)

Audited closed non-QM loans to determine lender underwriting compliance

Utilized as an expert for a lawsuit between a lender and an investor

Determined accuracy of allegations from the investor against the lender with regard to underwriting guidelines

March 2013 – November 2013

UNDERWRITER • PennyMac, Pasadena CA

Rendered loan decisions based on expert cash flow analysis and strict adherence to investor guidelines

Specialized in DU/LP automated underwriting systems

Proficiency with Encompass software

EXPERIENCE

January 2006 – March 2013

FINANCE MANAGER • The American Homeownership Foundation (TAHF), Duarte CA

Managed a non-profit lease purchase program geared to first time home buyers

Partnered with Citibank to qualify borrowers for loan assumptions at the end of the lease term

Ensured extensive HUD, federal, and state compliance regulations resulting in error-free HUD audits

Managed a large staff specializing in property management for senior living

Obtained and maintained government grants for specialized services

January 2002 – January 2006

UNDERWRITER • Countrywide Home Loans, Pasadena CA

Executed approvals on minor exceptions to loan policy based on compensating factors and strength of loan file

Negotiated with investors as a forensic underwriter significantly reducing lender buybacks

April 2000 – January 2002

UNDERWRITING MANAGER • Loan Zone, Inc., Encino CA

Created and managed a large volume mortgage broker company

Implemented strict quality control and regulatory compliance procedures reducing fraud

Trained, coached and mentored staff, boosting confidence, and creating a team mentality

January 1991 – April 2000

TEAM LEADER • Countrywide Home Loans, Pasadena CA

Managed a successful production team in a high-volume loan center

Rendered loan decisions while exceeding production goals

Training

Scott Potter Income Analysis

Supervisory Personnel Management

Xerox Professional Sales Training

Paradigms for Excellence

Dennis Black - Selling to the Realtor Marketplace

REFERENCES

[Available upon request.]

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