Susan Russell Payson, AZ

760-***-****

ad2l84@r.postjobfree.com

I am currently looking for my next career opportunity. I am an experienced Mortgage professional with over 15 years in the Mortgage Industry and 3 years underwriting Conventional and FHA Loans. In addition to Underwriting my mortgage history consists of Processing FHA/VA, Conventional loans, with experience and skills to draw loan documents and fund loans. I also have over 40 years of office work, including customer service. I am highly-motivated with the desire to take on new challenges. I have a strong work ethic, adaptability. Areas of Expertise

● FHA

● Conventional

● Doc Magic

● Mortgagebot

● Encompass

● Loan Beam

● FNMA

● FHLMC

● Appraisals

● Tax Returns

● Credit Reports

● Excel

● Data Entry

● Receptionist Duties

● Funding loans

Accomplishments

● FHA DE

Career Experience

Underwriter, Envoy Mortgage, Houston, TX 2020-2022

• Underwriter for Conventional and FHA Loans.

• Reviewed Appraisals, credit report, tax returns, paystub, bank statements, and title reports. All documents that are required for home loan.

• Communicated with stakeholders such as Branch Managers, Loan Officers, Loan Processors, Center Managers and Team leads on progress of loan.

• Conducted comprehensive analysis and evaluated risk to control underwriting loss.

• Demonstrate the highest level of professionalism and customer service towards all clients. Assistant Loan Officer/Loan Processor, Golden Empire Mortgage, Victorville, CA 2014-2020

• Assist the Branch Manager with opening loan files and contacting clients for conditions that are needed for the loan file.

• Responsible for reviewing financial statements, credit reports, paystubs, and tax returns.

• Knowledgeable about FNMA and FHLMC guidelines.

• Maintain excellent client customer service throughout the loan process to assure the client's loan process goes as smoothly as possible.

Underwriter II, Wells Fargo Home Mortgage, Englewood, CO 2012-2013

● Evaluating and ensuring overall loan documents are accurate, complete, and compliant.

● Reviewing of financial statements, credit reports, applicable ratios (i.e., Debt ratios, loan-to-value), and other supporting documentation.

● Using an automated scoring system or traditional underwriting to determine the acceptability of moderate requests. - Contacting customers and partners to gather information to make appropriate decisions and explain the rationale behind credit decisions.

● Staying abreast of any changes in underwriting provisions.

● Working with production to resolve questions when possible. Sr. Loan Processor, Golden Empire Mortgage, Victorville, CA 2003-2012 Responsible for reviewing financial statements, credit reports, paystubs, tax returns, and applicable ratios (i.e., debt ratios, loan-to-value), reviewing and signing off conditions, FHA, VA, and Conventional Loans. I am knowledgeable about FNMA and FHLMC guideline Additional Experience:

Fleet Operations Asst. Manager, Rydell Automotive Group, Van Nuys, CA Sr. Account Manager, Hadler Public Relations, Glendale, CA

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