Rhonda Green

Cellular 469-***-****

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

McKinney, TX 75071

ad1g0k@r.postjobfree.com

PROFESSIONAL SUMMARY

Motivated Conventional Underwriter with 20 years of demonstrated proficiency in listening to clients needs and formulating the tactical action plan to achieve results. Known for honesty, integrity and a genuine passion for achieving goals for self and others. Superior interpersonal dynamics; seamlessly interface with others from all levels, backgrounds and cultures. Respected for maintaining a professional and positive demeanor, regardless of the situation.

AREAS OF EXPERTISE

Diverse areas of expertise: Underwriting, Processing, and Loan Servicing. Review of real estate due diligence materials and liabilities prior to acquisition.

• 20+ years underwriting experience.

• 10 years QC/QA experience

• FNMA/FHLMC/ALT A/PORTFOLIO

• Non- QM Underwriting

• Signing Authority up to $2,000,000

• Ensure quality of all approved loans for secondary market

• Excellent written and communication skills

• Detailed oriented with excellent organizational skills

• Ability to work with lender for a resolve on unsalable loans EDUCATION

UCSD Extension Business Management Program

Financial Accounting

Business Law

PROFESSIONAL EXPERIENCE

Next Us Lending. Irvine CA 11/2021-9/2022

Wholesale Underwriter

• Review of Jumbo and Non-Agency mortgage loans in a timely manner for completeness and compliance guidelines. Perform manual underwriting to ensure loan meets credit and property guidelines of secondary market investors. Evaluate and provide recommendations for underwriting waivers and eligibility exceptions.

• Review of credit, income, assets, appraisals and evaluate bank statements for income qualification.

• DSCR Program

• Assist Account Managers with conditions from brokers.

• Confirm loan is locked at the correct rate and terms

• Complete Final Review of loan file data integrity in Encompass for document request

• Review and Data Verify and provide information and corrections for completion of report Better Mortgage Irvine, CA 11/2019 to 9/2021

Underwriter IV

• Underwrite and decision agency conforming and jumbo residential mortgage loans.

• Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents

• Review appraisal reports to identify and resolve any discrepancies discovered within

• Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan.

• Calculate qualifying ratios, determine creditworthiness; provide risk opinions

• Processing of loan files

• Assist processor with communication to borrowers

• Assist shipping in final documentation for files being sent to investor.

• Sales Liaison between processing and borrowers

Lend Sure Mortgage, Rancho Bernardo, CA 6/2018 -7/2019 Non-QM Underwriter/Non-Prime Lending

• Work with Sales in structuring loan for approval and possible exceptions.

• Examine loan file documentation to determine the acceptability of the applicants credit history, income, assets, and property.

• Ensure underwriting guidelines are being met, while considering customer needs against risk to the company.

• Manual review of all loan files

• Lending review of files up to $2,500,000.00

• Review and underwrite an average of 2-3 per day

• Utilize excellent credit review skills and thought process.

• Structure loan for a benefit to borrower and balance credit risk.

• Broker contact for outstanding documentation needed for decision making and follow up on conditions Paramount Equity Mortgage, Roseville, CA 6/2014-2/2018 Sr Underwriter

● Examine loan documentation to ensure accuracy and completeness analyze risk of a loan transaction and provide justification for loan decision

● Review LTV, credit report, applications, etc. to ensure that each loan meets company standards for a sale on the secondary market

● Evaluate income documentation to determine acceptable risk for an applicant based on analysis of W2s stubs, personal and business tax returns.

● Determine level of qualification for a loan applicant and render a decision on ability to repay.

● Utilize expertise and underwriting knowledge to render sound, common sense decisions

● Ensure AUS is valid and information is accurate in finalize credit risk with decision engine.

● Perform and processes necessary to review with in Imaging File

● Review and revise all required information in system-Encompass

● Perform Fraud review within relation to Data Verify report.

● Perform Early Check DU function to check loan parameters of 1003 against DU findings.

● Perform FHLMC QA function to check loan parameters of 1003 against LP

● Ensure that rate lock requirements and data matches.

● Record loan rejections based on investor guidelines, to include loan officer and sales manager notification.

● Daily conditions, keeping to agreed turn times.

● Communication with Underwriting Manager to advise of any sales or processing issues.

● Provide timely responses to all voice mail and email communication.

● HMDA reporting.

● 7 touches per day includes conditions

CashCall • Anaheim, CA 1/2013 to 6/2013

Sr Conventional Underwriter

• Underwrite files following the guidelines of FNMA/FHLMC and Wells Fargo Products. Review of all income and asset documents prior to loan commitment issued. Sign off on all approval conditions; assist processors and funders in completing the file for funding. Complete all internal underwriting forms required for loan approval. Cure all quality control deficiencies.

• Signing authority $625,500

• Decision on average 3-4 files per day plus conditions Wells Fargo Bank • San Diego, CA 08//2011 to 12/2012 Mortgage Underwriter III

• Underwrite files based on Wells Fargo guidelines for sale to FNMA/FHLMC. Review of all income and asset documents prior to loan commitment issued. Sign off on all approval conditions; assist loan officers and processor in completing the file for funding. Complete all internal underwriting forms required for loan approval.

• Analyze loans for fraud, adherence to underwriting guidelines and regulatory compliance FNMA Dallas, TX 12/2010 to 6/2011

QA Underwriter – Contract

• Review of closed loans in paperless environment.

• Perform risk analysis and make decision regarding deficiencies identified

• Fraud Investigation Experience. Identify transaction components that indicate a potential for fraud and perform sufficient investigative work to resolve issues that are identified

• Accurately record data and review conclusions in QAS (Quality Assurance System)

• Professionally communicate the results of file reviews both verbally and in written format to internal and external customers

• Sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity

Wells Fargo Bank • Santa Ana, CA 6/2009 to 9/2010

Consumer Underwriter III – Contract

• Evaluate files underwritten by underwriters for adhere to lender guidelines prior to issue of commitment.

• Analyze loans for fraud, adherence to underwriting guidelines and regulatory compliance Risk Management Group • Brooklyn, NY 2007 to 2009

QC Underwriter - Contract

• Review Put Back loans for sale on the secondary market. Analyze borrowers credit report, appraisal,

• Income, based on lender guidelines at the time the loan was underwritten at submission. Present findings to client and present any discrepancies if any.

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