Analytical and assertive underwriter equipped with 20+ years of experience in the mortgage and banking domain. Well- versed in FHA, Conventional, VA, Non-Prime, Reverse Mortgage, SONYMA, USDA, NJHMFA Bonds, and Community Seconds. Adept at leading and building teams. Proficient at liaising with loan officers to structure applications in accordance with necessary guidelines and borrower requirements. Competent at Genesis, Contour, Encompass, TMO, Zippy, H20, Empower, GUS, and SOMYMA Express. Knowledgeable in mortgage underwriting guidelines and DU/LP. Working knowledge of OFAC & BSA/AML compliance.

Areas of Expertise

Professional Experience

Infosys, Remote, NY 03/2023 to Present

Senior Underwriter/ Lead

Contract underwriting for M&T, managed a pipeline for retail and corresponding loans. Evaluated and assessed all loans met M&T guidelines and assured all SLA were met.

Caliber Home Loans, Remote, NY 08/2016 to 09/2022 Senior DE/VA Underwriter Team Lead (Retail Division) Spearheaded underwriting for all lending products and adhered to company overlays and agency guidelines. Assessed risk for agency and non-agency mortgage loan applicants. Complied with agency guidelines and Caliber Home Loan’s policies. Evaluated customers’ credit, employment, and financial history before granting a credit decision of approval, denial, or suspension to the customer. Reviewed personal and business tax returns for self-employed borrowers. Examined loans promptly and ascertained quality and accuracy. Fulfilled daily and monthly targets. Built cohesive client relationships. Served as a team lead when needed to oversee and assist underwriting team members. Provided second reviews on all new underwriters’ work to provide lending authority for conventional/FHA/VA/USDA/SONYMA loans.

● Coached new employees on how to receive lending authority pertaining to FHA and VA.

● Assisted the organization in adopting and leveraging SONYMA underwriting.

● Emerged as the #1 product underwriter in the entire company. United Mortgage Corp., Melville, NY 10/2015 to 08/2016 DE/VA/Conventional/Jumbo Underwriter

Governed underwriting for wholesale, correspondent, and retail loans. Managed underwriting for all lending products. Evaluated and assessed loan documents, program criteria and guidelines. Calculated credit, asset, income and property criteria to comply with program and investor overlays. Retained department turn times for loan resubmissions and new loan underwriters. Upheld adherence to initial and final requirements viz. LP, DU, ZFHA or manual underwrites for FHA. Reviewed documentation to condition loans for initial and final approval. Evaluated loan quality by ensuring credit, assets, income and property requirements are accurately met. Processed final MI certificates, DataVerify reports, HUD document (FHA) sign-off. Validated the compatibility of titles, appraisals, assets, credit and income documents for funding. Liaised with closers and post-closers to manage modifications or issues arising from uncertain discrepancies.

● Underwrote 50+ loans and closed files for 35+ loans on a monthly basis.

● Ensured prompt and swift loan closing to meet assigned targets.

● Played an instrumental role in building and retaining solid customer relationships. JP Morgan Chase, Garden City, NY 03/2010 to 10/2015 Senior DE Underwriter

Laura Cicero

Senior DE VA Underwriter

ad1r9w@r.postjobfree.com • 631-***-****

LinkedIn Profile • Centereach, NY

DE & VA Underwriting

Risk Analysis

Information Collection

Policy Application Review

Loan Assessment

Data Evaluation

Customer Service

Staff Training

Standards & Regulations

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Managed underwriting for all Chase mortgage programs, comprising FHA and Conventional, Private Client, non-agency, and Jumbo loans. Headed an underwriter team in meeting month-on-month targets. Complied with quality standards while adhering to organization and protocols. Determined and assessed credit, liability, and income documentation for diverse borrowers. Inspected and ascertained financial statement by following appropriate guidelines. Conducted collateral review and deployed resources as required. Cooperated with originators and production staff to secure required documentation. Oversaw FNMA DU/ FHLMC LP and manual review.

• Sustained unparalleled customer service while achieving extremely high-quality loans reviews.

• Recognized as the top underwriter in the organization with no material findings. Lend America Corp., Melville, NY 08/2009 to 12/2009 Senior DE/VA Underwriter & Team Lead

Helmed underwriting for FHA, conventional and VA loans. Validated documents for preciseness, encompassing income, credit, insurance, title, and appraisal. Harnessed external programs like Fraud-guard and Data Verify to cross-verify data. Assured that the documents met company and HUD guidelines.

• Underwrote 40+ loans and closed 35+ files on a monthly basis.

• Strategically developed rapport with sales department and the assigned processor. Fun 4 Kidz Party Palace Inc., Centereach, NY 06/2008 to 02/2010 President

Headed important day-to-day operations focusing on all facets of child development, including Mommy and Me classes, tuitions for the Italian language, and child-themed birthday parties. Curated and implemented innovative strategies to cater to a child-specific niche.

• Researched and understood market needs to develop engrossing products.

• Increased brand awareness and improved market penetration through tactical growth planning. MCS Mortgage Bankers, Patchogue, NY 03/2006 to 05/2009 Senior Underwriter & Operations Manager

Managed the processing department operations while underwriting all loans. Coordinated training seminars for FHA, reverse mortgage and conventional programs for loan officers and processors. Oversaw processors’ and underwriters’ annual review. Interviewed potential employees and suggested improvements to streamline workflow. Liaised with processors, underwriters and loan officers to structure loans and meet investor guidelines. Established an automated system to garner investor requirements for brokered loans. Optimized pipeline reports to provide reliable reporting to the upper management.

• Updated all necessary disclosures and refined commitment letters as part of upgrading the organization's operating system to a new version of Byte.

• Met and exceeded assigned targets while building a strong track record of managing a busy department effectively.

Additional Experience

Norstar & Fleet Bank, East Islip, NY

Teller Head Teller Customer Service Rep

In consecutive roles, served on the teller line and assisted customers with cashing checks, handling deposits, money orders, checks, bonds. Led the teller line as the head teller and governed all transactions. Opened and closed safety deposit box and the vault while counting the vault and ensuring all cash amongst the tellers draws and vault balances each day. Ordered money for the branch or packaging it for disbursement. Managed ATM machines to ensure they balance out each night and retrieve customers deposits. Opened checking, saving, Business and CD accounts as a customer sales representative. Ensured all bank policies are met. Submitted reports for large transactions with regards to the anti-money laundering regulations.

• Orchestrated efficient cross-selling of all bank products while meeting monthly sales quota for deposit accounts, auto loans, personal loans and home equity loans.

• Augmented customer satisfaction for all approved applications by setting and conducting the closings seamlessly. Page 2 3

Education

High School Graduate

East Islip High School

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