Amy Tran

360-***-**** ● ad1eft@r.postjobfree.com ● Linkedin.com/ in/ AmyTran

EXPERIENCE

Mortgage Underwriter May. 2015 - Jan. 2023

Wells Fargo Mortgage Vancouver, WA

● Income /credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book of business quality

● Comprehensive knowledge of underwriting guidelines and restrictions for conventional loan programs for both conforming and nonconforming mortgages.

● Worked collaboratively with the team members to drive deals to successful funding and close.

● Lending and Underwriting Guidelines/Credit & Income Analysis/Cash- Flow Analysis/ Risk Assessment / Loan –to- Value Ratios/Debt-to- Income Ratios/ Conventional / Conforming * NonConforming Loans / Arms / Loan Closing, Funding & Documentation / Account Service Excellence.

Mortgage Underwriter Sep. 2014 - May. 2015

Riverview Community Bank Vancouver, WA

● Lending and Underwriting Guidelines/Credit & Income Analysis/Cash- Flow Analysis/ Risk Assessment / Loan –to- Value Ratios/Debt-to- Income Ratios/ Conventional / Conforming * NonConforming Loans / Arms / Loan Closing, Funding & Documentation / Account Service Excellence

● Underwrote Home Line of Credit, CD, Auto Loans, and Conventional Loans following Fannie Mae guidelines.

Mortgage Specialist V Sept. 2021 - Mar. 2022

Wells Fargo Mortgage Vancouver, WA

● Gathered information and took each file from pre-approval to closing.

● Inputted proper loan information into the system for processing.

● Ensured all loan documentation was complete, accurate, and complied with company policy.

● Verified loan documents, including income credit appraisal and title insurance, ultimately preparing an application for submittal to underwriting.

● Conventional, FHA, VA, Bonds, Dap and Construction Loans

EDUCATION

Portland Community College Portland, OR

· Associate Degree: Accounting

SKILLS

Calyx Genesis Mortgage Flex System LIS Core Conforming/Non-Agency Loans Financial & Credit Analysis Risk Management Loss Mitigation Home Equity/CD/Auto/Person Loans Non-QM Loans Financials

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