Teresa Hezekiah

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

Snellville, Ga 30078

ad1uq2@r.postjobfree.com

+1-770-***-****

Over 15 years as a Senior Underwriter with Wholesale, Retail and Jumbo Loans experience with a signing authority of over $1,000,000 throughout underwriting career.

DE CHUMS #, SAR/LAPP CREDENTIALS

Work Experience

1st Franklin Financial

CRS Loan Specialist

January 2023 - Current

Strong customer service skills, debt recovery, resolve past due accounts, monitor and maintain account information to ensure high levels of service and recovery, take appropriate actions to ensure promised payments are received timely and contact consumers by calling inbound and outbound collections. Processing and approving personal loans from $600-$15k. Reviewing credit - Fico scores, income documentation, self employed application as well as closing personal loans and issue closing checks on site.

DE Mortgage Underwriter /VA SARs Credential

Freedom Mortgage

September 2019 to November 2022

• Underwrote FHA and VA loans which includes ( Streamlines/IRRRls/VA Loans ) Products. Reviewed all loan applications, credit reports and qualified all applicants for mortgage products using DU/LP Systems.

• Analyzed income, assets, pay stubs, 401k’s, stocks and bond statements. Reviewing appraisal, sales contract, title. Reviewing insurance policy (hazard) make sure insurance is in applicant name, along with correct subject property to meet insurance requirements.

• Cleared all conditions in order to move loan to the closing department within allotted time frame DE Mortgage Underwriter

AAG

August 2018 to September 2019

. Reverse Mortgage, Using FHA Guidelines along with Company Overlays, for Refinance • Reviewed borrowers with multiple investment properties, corporate tax, sole proprietorships, schedule C/E’s and schedule tax returns. Reviewed Schedule E’s for rental properties, self employed income, Condo documentation, etc. • Analyzed income, assets, pay stubs,

401k’s, stocks and bond statements. Reviewing appraisal, title. Reviewing insurance policy (hazard) make sure insurance is in applicant name, along with correct subject property to meet insurance requirements.

• Cleared all conditions in order to move the loan to the closing department within the allotted time frame. HECM Loans balance Sheet

DE Mortgage Underwriter

Freedom Mortgage

May 2015 to July 2018

• Underwrote FHA and VA loans which includes ( Streamlines/IRRRls) Products. Reviewed all loan applications, credit reports and qualified all applicants for mortgage products using DU/LP Systems.

• Analyzed income, assets, pay stubs, 401k’s, stocks and bond statements. Reviewing appraisal, sales contract, title. Reviewing insurance policy (hazard) make sure insurance is in applicant name, along with correct subject property to meet insurance requirements.

• Cleared all conditions in order to move loan to the closing department within allotted time frame Contract Underwriter

Clayton

June 2014 to May 2015

• Underwrote Conventional loans along with New Construction Residence Loans • Used both manual practice and DU/LP to underwrite Loans

• Analyzed income, assets, pay stubs, 401k’s, stocks and bond statements. Reviewing appraisal, sales contract, title. Reviewing insurance policy (hazard) make sure insurance is in applicant name, along with correct subject property to meet insurance requirements.

• Cleared all conditions in order to move loan to the closing department within allotted time frame • Reviewed borrowers with multiple investment properties, corporate tax, sole proprietorships, schedule C/E’s and schedule A tax returns. Reviewed Schedule E’s for rental properties, self - employed income, MI certificates (ordering and validating), Condo documentation, etc.

• Analyzed income, assets, paystubs, 401k’s, stocks and bond statements. Reviewing of appraisal, sales contract, title, etc.

• Cleared all conditions in order to move the loan to the closing department within the allotted time frame. DE Mortgage Underwriter

Envoy Mortgage

August 2012 to March 2014

• Underwrote Conventional, FHA and Wholesale loans along with New Construction Residence Loans

• Signing off on loans up to $1,000,000

• Used both manual practice and DU/LP to underwrite Loans

• Applied Fannie Mae/Freddie Mac Guidelines along with overlays of the company guidelines to underwriter loan

• Reviewed borrowers with multiple investment properties, corporate tax, sole proprietorships, schedule C/E’s and schedule tax returns. Reviewed Schedule E’s for rental properties, self - employed income, MI certificates (ordering and validating), Condo documentation, etc.

• Analyzed income, assets, pay stubs, 401k’s, stocks and bond statements. Reviewing appraisal, sales contract, title, etc.

• Cleared all conditions in order to move the loan to the closing department within the allotted time frame. DE Mortgage Underwriter

CBC National Bank

October 2011 to August 2012

• Held Signing authority of $1,000,000

• Underwrote Conventional, Government, Wholesale, VA loans (IRRLS ONLY). Approved and declined loan according to HUD/Fannie Mae guidelines on residential loans.

• Validated income, assets, title, appraisals, sales contract, and condo documentation. Pulled all information needed in the FHA connection. Cleared all conditions to get the loan ready for closing and funding.

• Used DU and Mortgage ware to make sound/clear underwriting decisions. De Mortgage Underwriter Level IV

Bank of America

July 2003 to October 2011

• Held Lending authority of $1,000,000 in underwriting FNMA, FHLMC, Conventional, FHA, Wholesale, New Construction of residential loans (manual and DU/LP)

• Underwrote loans for self-employed borrowers and property investors

• Performed analysis on corporate/business, personal, sole proprietorships tax returns, 401k’s, stocks and bond statements.

• Obtained Sase Level 2 for FHA and Sase Level 3 for conventional

• Reviewed all income, assets, appraisal sales contract, condo and other documentation that is needed to complete loans for review on decline or approval decision.

Senior Loan Processor

First Horizion

January 2002 to June 2003

• Processed Conventional, FHA and VA loans. Reviewed all loan applications, credit reports and qualified all applicants for mortgage products

• Ordered out all verification on residential loans with included written, VOE, VOM and VOD’s. Ordered all case numbers for FHA loan and Caivrs

• Reviewed titles, hazards insurance policy for courage. Obtained conditions needed on the loans to be reviewed by the underwriter in a timely fashion to move loan to closing.

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