DIANE WILLIAMS-LOWERY

**** *. ******** ****, ****, AZ 85207 623-***-**** ad27li@r.postjobfree.com

FHA Direct Endorsement Underwriter Certificate, VA SAR/LAPP, FHA Credit Examiner. Excel, Word, Empower, M4, PowerPoint, Encompass 360, ACAP, DU, LP, FHA AUS, USDA, eHousingPlus Bonds, Down Payment Assistant Programs and Varies other Bonds (Texas, Nevada, Arizona, Florida. California, Colorado, Washington, Wyoming, SETH and TSHAC) and various lenders software for their office.

Digital Risk/Bank of America, Maitland, FL –02/06/2022 TO 10/28/2022 - Contract Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Contract Ended Supervisor: David Walker

Phone Number: 407-***-****

Address: Maitland, FL 32751

* Underwrite Convention 1st liens and Home Equity Line of Credit loans for Bank of America

* Review customer AUS, similar to LP/Freddie LPA.

* Review and maintain underwriting criteria based on the Solution Center guidelines.

* Maintain open lines of communications and prepare for final approval to close.

* Ensure compliance and fraud review has been clear on each loan.

* Forensic, compliance risk assessment on each loan prior to issuing the final approval

Paramount Residential Mortgage Group, 01/04/2021 TO 11/15/2021 – Senior Underwriter, Risk Management Analysis, Due Diligence analysis, and Fraud analysis

Reason for leaving: Family problem Supervisor: Dillon Goodwin

Phone Number: 888-***-****

Address: Phoenix, AZ 85020

Review credit report to determine payment history on liability

Research documents that reflect questionable information that appear that might have been audited

FHA DE, VA LAPP/SAR, Manufactured Homes, and USDA - strong knowledge with these guidelines

Jumbo and Portfolio loans

Second mortgage in form of close end loans and Home Equity Line of Credit Loan (HELOC)

Appraisal review and tax return analysis

Review FNMA/DU and FHLMC/LP AUS finding. Work with the finding for approval.

Assist in repurchase response and/or rebuttal review from investor(s) and provide a response to the investor(s).

Knowledge of TRID, RESPA and Predatory Lending

Strong decision making/critical thinking skills

Effective written and oral communication skills.

Knowledge of Encompass 360 software.

Underwrote manufacturing home loans

Forensic, compliance risk assessment on each loan prior to issuing the final approval

Homeowner’s Financial Group, 5/2020 TO 12/31/20 – Senior Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Opportunity for growth/limited growth Supervisor: Terri Lunford

Phone Number: 480-***-****

Address: Scottsdale, AZ 8525

FHA DE, VA LAPP/SAR, Manufactured Homes, and USDA - strong knowledge with these guidelines

Jumbo and Portfolio loans

Second mortgage in form of close end loans and Home Equity Line of Credit Loan (HELOC)

Appraisal review and tax return analysis

Review FNMA/DU and FHLMC/LP AUS finding. Work with the finding for approval.

Assist in repurchase response and/or rebuttal review from investor(s) and provide a response to the investor(s).

Knowledge of TRID, RESPA and Predatory Lending

Strong decision making/critical thinking skills

Effective written and oral communication skills.

Knowledge of Encompass 360 software.

Review credit report to determine payment history on liability

Research documents that reflect questionable information that appear that might have been

Underwrote manufacturing home loans

Forensic, compliance risk assessment on each loan prior to issuing the final approval

LoanDepot 5/2019 TO 3/31/2020 – Underwriter IV, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Opportunity for growth/limited growth Supervisor: Courtney Lambs

Phone: 1-888-***-****

Address: Scottsdale, AZ 85284

Research documents that reflect questionable information that appear that might have been audited

FHA DE, VA LAPP/SAR, Manufactured Homes, and USDA - strong knowledge with these guidelines

Jumbo and Portfolio loans

Second mortgage in form of close end loans and Home Equity Line of Credit Loan (HELOC)

Appraisal review and tax return analysis

Review FNMA/DU and FHLMC/LP AUS finding. Work with the finding for approval.

Assist in repurchase response and/or rebuttal review from investor(s) and provide a response to the investor(s).

Knowledge of TRID, RESPA and Predatory Lending

Strong decision making/critical thinking skills

Effective written and oral communication skills.

Knowledge of Encompass 360 software.

Review credit report to determine payment history on liability

Underwrote manufacturing home loans

Forensic, compliance risk assessment on each loan prior to issuing the final approval

EMPLOYMENT GAP 11/2018 to 05/2019 – due to the mortgage business being slow

People Mortgage Company 3/2017 to 11/2018 Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Reduction in Force (RIF) / Layoff Supervisor: Amy Nash

Phone: 877-***-****

Address: Tempe, AZ 85284

Review credit report to determine payment history on liability

Research documents that reflect questionable information that appear that might have been audited

FHA DE, VA LAPP/SAR, Manufactured Homes, and USDA - strong knowledge with these guidelines

Jumbo and Portfolio loans

Second mortgage in form of close end loans and Home Equity Line of Credit Loan (HELOC)

Appraisal review and tax return analysis

Review FNMA/DU and FHLMC/LP AUS finding. Work with the finding for approval.

Assist in repurchase response and/or rebuttal review from investor(s) and provide a response to the investor(s).

Knowledge of TRID, RESPA and Predatory Lending

Strong decision making/critical thinking skills

Effective written and oral communication skills.

Knowledge of Encompass 360 software.

Underwrote manufacturing home loans

FHA 203k and FANNIE MAE Renovation loans

Forensic, compliance risk assessment on each loan prior to issuing the final approval

Suburban Mortgage Inc 5/2014 to 3/2017 – Senior Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Reduction in Force (RIF) / Layoff Supervisor: Donna Special

Address/Phone: Business has closed their doors in 9/2022.

Quatro Mortgage Solutions 01/2014 to 03/2014 – Contract Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Contract ended

Address/Phone: Business has closed their doors in San Franciso

AmeriFirst Financial 7/2013 TO 11/2013 – Senior Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Reduction in Force (RIF) / Layoff

Phone: 877-***-****

Address: Mesa, AZ 85203

UAMC/ Universal American Mortgage Company 6/2011 TO 07/2013 – Senior Underwriter, Risk Management Analysis, Due Diligence analysis, and Forensic analysis

Reason for leaving: Seeking Advancement/more responsibilities

Phone: 727-***-****

Address: Miami, FL

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