Melinda Marie Keough

Aliso Viejo, CA ***** 949-***-****

ad2roh@r.postjobfree.com

Objective To gain knowledge and enhance my career. To share my experience with a stable and team oriented company, that gives excellent communication and believes in not only company goals but customer experience. Skills & Abilities

Excellent analytical, problem-solving skills, communication and interpersonal skills Strong knowledge of mortgage industry regulations and guidelines Experienced in loan underwriting software and tools (Encompass, Empower, LendingQB etc.) Retail, Wholesale and Correspondent Loans

Management, Leadership and Mentoring

Ability to work independently and as part of a team Knowledge of e-commerce platforms and website navigation. Proficient in Microsoft Office Suite and CRM software Ability to multitask and manage time effectively

Alt A, subprime lending, NON QM Refinances(Primary & Investments), Purchase, JumboLoans/ Manual underwrites through multiple lender guidelines

CRM

Accomplishments

Underwriting Supervisor / Ameriquest in 2003

18+ underwriting experience in the Mortgage Industry High Producer

Excellent QC Rating

Up to 5,000,000 loan approval

Train new hires

Professional Experience

Robert Half Employment Agency, Settlement Support Specialist Irvine, CA 9/2023 - Current

Support Negotiations through Email and Google Chat Assist Clients with documentation requests.

Troubleshoot and resolve Client complaints and issues. Maintain accurate records of Client interactions and transactions. Daily In and Outbound Calls, SMS and emails to Clients and Creditors for Approval, Supporting Documentation, Late Pays and Removals from programs.

X-Caliber Solutions, E-Commerce Customer Relations, Fraud Prevention Foothill Ranch, CA 11/2022 - 8/2023

Respond to client inquiries through email, and chat support Assist clients with product orders, refunds, and exchanges. Troubleshoot and resolve client complaints and issues. Maintain accurate records of client interactions and transactions. LoanStream Mortgage, NON-QM Underwriter Irvine, CA 4/2021 – 6/2022

Review Files from beginning to end Full Doc income, Asset Depletion, DSCR<1.00, ITIN, Foreign National, all Bank Statement products

Credit reports/liabilities

Wage earner, Self Employed income, Personal/Business Tax Returns/Bank Statements, Retirement income Fraud reports, Flood certs and Hazard ins.

Condos master policies (fidelity ins) Full and limited reviews, Title Reportsn Appraisals, Appraisal Transfer letters, Arc Home, NON-QM Underwriter Mount Laurel, NJ

2/2020 – 4/2021

Review Files from beginning to end Alternative Income, DSCR<1.00, Agency Plus, Clean Slate, Foreign National and Non-Prime products, all Bank Statement products ranging from 12 mos to 24 mos average, Jumbo loans and Agency loans Freddie / Fannie during Covid-19 Refinances and Purchases

Credit reports/liabilities

Wage earner, Self Employed income/ Bank Statements, Personal/Business Tax Returns, Retirement income Fraud reports, Flood certs and Hazard ins.

Condos master policies (fidelity ins) Full and limited reviews, Title Reports Appraisals, Appraisal Transfer letters, UAD clearance for Fannie Mae and Freddie Mac TheLender, NON-QM Underwriter Lake Forest, CA

9/2019 – 1/2020

Review Files from beginning to end NONI, DSCR<1.00, the Expanded, Near-Prime and Non- Prime products, all Bank Statement products ranging from 12 mos to 24 mos average. Refinances and Purchases

Follow TheLender and DeepHaven guidelines and ad here to Fannie Mae when guideline is not presented for theLender. TheLender company exceptions and overlays Credit reports/liabilities

Wage earner, Self Employed income/Bank Statements, Personal/Business Tax Returns, Retirement income Fraud reports LexisNexis Flood certs and Hazard ins. Condos master policies (fidelity ins) Full and limited reviews Title Reports vesting, legal description, liens and judgments APN’s to be in line with tax cert, title and Appraisals, Appraisal Transfer letters, UAD clearance for Fannie Mae and Freddie Mac Sprout Mortgage, NON-QM Underwriter Irvine, CA

11/2018 – 9/2019

Review Files from beginning to end all Bank Statement products- A5, P2 & M4 ranging from 12 mos to 24 mos average.- Refinances and Purchases Follow Sprout guidelines and ad hear to Fannie Mae when the guideline is not presented for sprout. Sprout company exceptions, Credit reports/liabilities Wage earner, Self Employed income, Personal/Business Tax Returns, Retirement income and Bank Statements

Fraud reports LexisNexis Flood certs and Hazard ins. Condos master policies (fidelity ins) Full and limited reviews Title Reports vesting, legal description, liens and judgments APN’s to be in line with tax cert, title and Appraisals, Appraisal Transfer letters, UAD clearance for Fannie Mae and Freddie Mac LoanDepot Underwriter III Foothill Ranch, CA

6/2016 - 5/2018

Underwriting an average of 190 loans monthly while managing desk for release of docs and prior to funding conditions and ranging a 100% QC rating

Review Files from beginning to end all lender products Conforming, DU Refi Plus, Open Access All worksheets pertaining to max loan amount for DU Refi Plus, Open Access Credit reports/liabilities

Tax Transcripts (including 2106 expenses)

Wage earner, Self Employed income, Personal/Business Tax Returns, Retirement income and Bank Statements

Fraud reports LexisNexis Flood certs and Hazard ins, Empower Condos master policies (fidelity ins) Full and limited reviews Title Reports vesting, legal description, liens and judgments APN’s to be in line with tax cert, title and appraisal Appraisals, UAD clearance for Fannie Mae and Freddie Mac AUS for DU and LP, FMP reports Greenlight Loans Underwriting Irvine, CA

3/2012 – 6/2016

Underwriting an average of 190 loans monthly while managing desk for release of docs and prior to funding conditions and ranging a 97% QC rating

Review Files from beginning to end all lender products Conforming, DU Refi Plus, Open Access and Same Servicer

All worksheets pertaining to max loan amount for DU Refi Plus, Open Access and Same Servicer Title

Tax Transcripts (including 2106 expenses)

Wage earner and Self-Employed income, Personal/Business Tax Returns and Bank Statements Fraud Reports Lexisnexis

Flood certs and Hazard ins,

Condos master policies (fidelity ins) Full and limited reviews Credit reports/liabilities Appraisals, UAD clearance for Fannie Mae and Freddie Mac AUS for DU and LP, FMP reports and Education Richard Gahr HS, Cerritos, CA Graduated 1988 References Upon Request

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