Phone 203-***-****

E-mail ad2jzh@r.postjobfree.com

Joyce L Blessing

Objective

My experience in mortgage lending has allowed me to be flexible. It has demanded that I remain up to date on current regulations and software changes. I look forward to using my experience in working collaboratively with team members to drive applications to a successful close.

Skills

Conventional and FHA Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis for Self Employed and Asset Dissipation Risk Assessment Collateral Review for suitability and value Debt-to-Income Ratios Conforming & Nonconforming Loans Down Payment Assistance Programs Countrywide Renovation and Single Close Construction Loans Both Government and Conventional

Highlights

-Delegated Credit Authority up to current conforming limits

-Current experience includes heavy focus on Down Payment Assistance Programs, Renovation loans and Single Close Construction loans

-DE Certification for all FHA products

-Proficient in several lending software and Automated Underwriting Systems

-Act as a resource for loan processors and originators for questions regarding product guidelines and documentation requirements in all 50 States and Guam.

-Research and investigate inconsistent information and activity using multiple internet and internal sources which results in a cleaner commitment

Experience

DE Underwriter Norcom Mortgage August 2020- Present

Junior Underwriter First County Bank December 2018- August 2020

Mortgage Processor 4 Wells Fargo Home Mortgage July 2015- November 2018

Mortgage Processor Peoples United Bank August 2013- July 2015

College of New Rochelle New Rochelle, NY

Cardinal Gibbons High School Ft. Lauderdale, Florida

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