Sammaneh Akbar

San Jacinto, CA *****

714-***-****

ad2hso@r.postjobfree.com

CONSUMER MORTGAGE LOAN UNDERWRITER

Experienced Consumer Mortgage Loan Underwriter with a strong background in underwri ng a wide range of loan products, including FHA, VA, CALHFA, and Jumbo loans. Adept at analyzing complex financial and credit informa on, ensuring compliance with internal standards, investor guidelines, and federal regula ons. Excep onal problem-solving skills, aten on to detail, and the ability to provide expert guidance in challenging underwri ng scenarios. Proven track record of maintaining high levels of customer service and collabora ng effec vely with a variety of stakeholders to facilitate successful loan closings.

KEY SKILLS

Real Estate Valua on Credit Analysis Analy cal and Innova ve Thinking Deadline Management Mortgage Origina on Systems Customer Service Microso Word, Excel, Outlook Desktop Underwri ng Loan Prospector FHAC WEBLGY Lexis Nexis Calyx Point Lender Origina on Systems Adaptability PROFESSIONAL EXPERIENCE

Wells Fargo Home Mortgage, San Bernardino, CA 02/2018 - 10/2023 Senior Por olio Underwriter

Analyzed highly complex financial and credit informa on according to internal underwri ng standards, investor guidelines, and federal regula ons. Maintained company standard for produc vity level and complies with company policy.

• Minimum credit loan authority up to $2,000,000 for 1st lien mortgages.

• Trained and provided assistance to new underwriters.

• Reviewed complex loans requiring excep ons and/or increased authority.

• Executed manual review for all non-conforming loan products.

• Used discre on for complex scenarios not published in policy or mee ng excep on review.

• Evaluated self-employed income using cash flow analysis.

• Subject mater expert for personal/business tax returns and financials (1040, 1065, 1120, 1120s, 1041, year to date profit and loss statement and balance sheet, passthroughs etc.).

Vision One Mortgage, Newport Beach, CA 09/2016 - 02/2018

DE Underwriter

Reviewed and analyzed income, credit, and property documenta on for varied loan products (conven onal, FHA, VA and jumbo). Worked closely with loan officers and other professionals to ensure investor policies were met.

• Direct Endorsement Underwriter for 2+ years.

• 10+ years mortgage underwri ng experience, including FHA, VA, CALHFA and Por olio (Jumbo).

• Communicated decision on loans to sales team both verbally and in wri ng.

• Sole staff underwriter with authority to review complex financial documents (1120,1120s, 1065 etc).

• Underwrote a wide variety of product and loan types with a higher aggregate credit exposure.

• Responded to post closing reviews and audits in a mely fashion.

Wells Fargo Home Mortgage, San Bernardino, CA 02/2009 - 08/2016 Por olio Underwriter

Analyzed wide variety of product and loan types with a higher aggregate credit exposure including underwri ng excep ons not determined by AUS. Analyzed highly complex financial and credit informa on according to internal underwri ng standards ensuring quality and risk for each loan.

• Maintained company standard for produc vity level and complied with company policy, federal and state requirements.

• Recommended the loan disposi on to underwri ng manager for loan amounts in excess of authority limita on.

• Excep on authority up to $2,000,000.

Vision One Mortgage, Irvine, CA 03/2008 - 02/2009

Underwriter

Reviewed and analyzed income, credit, and property documenta on, underwrote loan files in adherence to investor guidelines, and facilitated their submission for investor approval. Assisted senior underwriter in loan review, u lized underwri ng systems, and maintained direct communica on with brokers and real estate agents while also contribu ng to the iden fica on and recommenda on of alterna ve loan documenta on requirements.

ADDITIONAL RELEVANT EXPERIENCE

Washington Mutual Lending, Anaheim, CA

Underwriter

Performed credit analysis of loan components for exis ng 1-4 family residen al loans, including applicant’s credit, sources of income, types of property under purchase, type of loan, tle report, assets, stream of bank deposits, and debt ra os. Assisted Audit, Front Desk and other departments as needed.

• Met daily deadlines and responded promptly to priori zed tasks.

• Trained or oriented new employees.

• Determined disposi on of interests affec ng tle and evaluated files for Indemnity situa ons.

• Analyzed risk factors along with the presence of compensa ng factors that mi gate risk to the Bank, and structures transac ons accordingly.

• Verified if the loan met investor specifica ons and the borrower profile qualified.

• Lending authority of up to $850,000.

• Maintained a high level of customer service including extensive communica on with sales professionals.

Coast Hills Financial, Costa Mesa, CA

Loan Processor

Ordered and analyzed es mated closing statements, coordinated tle clearance, reviewed documents for compliance with loan condi ons, confirmed borrower's financial readiness, and assisted various departments with underwri ng inquiries. Evaluated income stability, appraisals, and coordinated documenta on between par es involved in loan transac ons, including buyers, sellers, tle companies, escrow agents, and real estate agents, to facilitate smooth closings.

CERTIFICATIONS

CHUMS ID IM10

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