MARGARET A. PIETRYKA

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

North Brunswick, NJ 08902

ad21e5@r.postjobfree.com

732-***-****

Experience

Municipal Credit Union May 2022 to February 2023

Senior Portfolio Credit Analyst

Provide credit analysis for the lending activities of the institution by analyzing financial information on applicants

Performs cash flow analysis

Underwrite, analyze and prepare loan presentations for residential banking loans

Prepare green-light and transaction approval memos, conduct due diligence, build cash flow models and conduct sensitivity analyses

Underwrite primarily portfolio loans but also have ability to underwrite agency loans

Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines

Analyze requests for pre-approvals, purchase and refinance transactions to ensure investment quality of loans, maintaining accuracy of application and documentation

Demonstrate effective pipeline management skills, including turn-times with management expectation

Maintain acceptable turn times for pre-approval, new application, final decision and resubmissions

Ability to successfully maintain production goals and quality working in a remote environment

Ability to review and identify potential solutions/alternatives for complex loan files

Review real estate loan applications received to identify that transaction type, occupancy, property and ratios meet program guidelines, as well as, all sections of the URLA are complete and accurate

Calculate and analyze loan-to-value ratios, debt-to-income ratios, employment, sources of income, source(s) of down payment funds and funds needed to close. Determine borrower’s ability to repay is within safe harbor

Accurately analyze financial documents: Ability to calculate various income sources, including, hourly, salaried, union, commission, self-employed and fixed income, retirement, personal and business tax returns

Review funds to close and reserves by reviewing assets statements (401K, checking, savings,)

Responsible for reviewing appraisal reports to ensure that the appraisal meet secondary market, investor, and Credit Union guidelines, including drive-by appraisal, AVM for property classification, validity of comparable sales, etc

Review preliminary title reports

Review credit reports and calculate liabilities, while evaluating credit risk

Evaluate borrower’s credit profile and assess risk in accordance with current and historical delinquency

Analyze condominium and co-op documentation to assess stability of projects

Identify red flags and request supporting documentation to identify potential fraud or misrepresentation Utilize system and tools to evaluate potential risks and apply applicable credit decision (approval/counter-offer/decline) accordingly

U.S. Bank May 2021 to May 2022

Mortgage Underwriter III

Underwrite and decision residential real estate mortgage applications within defined limit of authority

Evaluate loan risk through verification of loan application information and clarify risk by requesting additional information as needed

Verify employment and calculate related income

Complete financial analysis and spreads by analyzing personal and financial statements and tax returns using financial analysis programs.

Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non-recurring sources of cash flow and borrowers’ ability to debt service

Complete all loan status changes

Consult with closing department, branch staff, and to ensure all underwriting conditions are met prior to issuance of clear to close

Identify and record application deficiencies required for rejecting mortgage loan

Perform additional job-related duties as required

Affinity Federal Credit Union October 2017 to May 2021

HELOC Underwriter

Underwrite and decision residential real estate home equity lines of credit within defined limit of authority.

Review loan package for completeness and accuracy

Verify employment and calculate related income

Complete financial analysis and spreads by analyzing personal and financial statements and tax returns using financial analysis programs. Analyze cash flow reports, calculate ratios, recognize and describe trends and identify recurring and non-recurring sources of cash flow and borrowers’ ability to debt service

Maintain system checklist for tracking file documentation

Complete all loan status changes

Provide technical guidance to team processors in regards to underwriting, secondary marketing requirements and title considerations.

Consult with closing department, branch staff, and to ensure all underwriting conditions are met prior to issuance of clear to close.

Interpret and implement underwriting guidelines; keeping informed of current practices in loan underwriting and communicate changes to those concerned.

Perform additional job-related duties as required

HomeBridge Mortgage May 2014 to February 2017

dba REMN Wholesale

Production Underwriter

Conduct thorough review of applicants credit criteria per product requirements including Agency, Renovation and Jumbo products

Monitor and determine credit risk

Evaluate credit and title review

Calculate and verify various forms of income and employment information

Analyze tax information and income reported to the Internal Revenue Service

Validate and research relevant applicant information including credit history, assets, and collateral

Analyze appraised value in relation to comparables and adherence to collateral policy

Provide solution support, guidance, and encouragement to mortgage banking colleagues to benefit clients

Evaluation of assets and ensuring sufficient funds to close and reserves

High production and efficiency through financial applications including Encompass, Desktop Underwriter, Loan Prospector, Data Verify.

Specialized knowledge applied in all areas of the underwriting process from initial review to determination of final decision

Ensure compliance with REMN and investor guidelines

JPMorgan Chase May 2007 to March 2014

Senior Underwriter

Lending Authority for first and second mortgage loans, $1,000,000 and $150,000

Conduct thorough review of applicants credit criteria per product requirements

Monitor and determine credit risk

Evaluate credit and title review

Calculate and verify various forms of income and employment information

Analyze tax information and income reported to the Internal Revenue Service

Validate and research relevant applicant information including credit history, assets, and collateral

Analyze appraised value in relation to comparables and adherence to collateral policy

Full credit underwriting approval for Coops including appraisal review and project certification up to $1,000,000

Provide solution support, guidance, and encouragement to mortgage banking colleagues to benefit clients

Evaluation of assets and ensuring sufficient funds to close and reserves

Review and evaluate specialty bond loans

Ensure efficiency, quality, and timeliness of loan approval through direct liaison with Chase loan processors and loan officers

High production and efficiency through financial applications including Zippy, Closr, Desktop Underwriter, Loan Prospector, Data Verify.

Specialized knowledge applied in all areas of the underwriting process from initial review to determination of final decision

Ensure compliance with Chase and investor guidelines

Education

Middlesex County College - Degree in Social Sciences

Reference available upon request.

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