RAINI HERNANDEZ

QUALIFICATIONS AND AWARDS

DE/SAR/LAPP/MI certified. Quality Underwriter Award for 2005, Quality Underwriter Award quarter 2009. Certified in Advanced Underwriting, Basic and Advanced Appraisal, Fraud, Limited Doc, Understanding MI, Advanced DU and LP, TRID/RESPA, Knowledge of FHA, VA and USDA programs as well as FHA 203K loans.

PROFESSIONAL EXPERIENCE

AppleOne/GE Appliances

Parts Intercept Specialist Temp Nov 2023 to Jan 2024

Ordering parts for Technicians all over the country.

Working closely with dispatchers and technicians.

Tracking part shipping to ensure parts will arrive on time.

Rescheduling appointments to accommodate consumer’s needs.

Working closely with the management team.

Data Entry in GE Appliance systems.

Unify Financial Credit Union Feb 2021 to Nov 2022

Underwriter

Underwriting Conventional, Portfolio and HELOC Loans.

Reviewing credit, income, assets, prelims, appraisal s and AUS findings.

Taking inbound/outbound calls from borrowers and brokers.

Fostering others in expanding their experience in the mortgage industry.

Ordering MI Certs when applicable.

Offering alternative options to members to help them to achieve the goal of homeownership.

Working closely with management and peers to work through complicated scenarios.

Unify Financial Credit Union May 2020 to Feb 2021

Underwriter

Processing/Underwriting Conventional, Jumbo, Portfolio and HELOC loans.

Reviewing credit, income, assets, prelims, appraisals, and DU findings.

Working with branches to help structure loans to meet member’s refi/purchase needs.

Processing written verifications of employment and calculating income.

Evaluating asset documentation to verify sufficient funds to close and reserves.

Ordering home- owners insurance with new mortgagee clause.

Ordering payoff statements.

Delegated Mortgage Insurance Underwriter.

Working closely with processors and originators to evaluate member ability to repay.

Communication with members regarding status of their loan movement.

Systems used: Mortgage Cadence, Advantage Credit, DU, FraudGUARD, Collateral Underwriter, PDF Escape and Credco.

National Mortgage Service Inc. July 2019 to Jan 2020

Sr. Underwriter.

Underwriting FHA, Conventional and Jumbo loans.

Reviewing credit, income, assets prelim, Appraisals etc.

Working with several AE’s and brokers to structure loans accordingly.

Analyzed and documented purchases and refinances.

Followed policies and procedures and followed up with brokers with conditions and AUS.

Trained 2 processors into Jr Underwriting positions and eventually into full Underwriters.

Cleared Post Funding issues working with investors.

Assisted with CD’s and funding conditions, also delegated Mortgage Insurance Underwriter.

Systems Used: Npress, LP and DU and FHA Connection, Caylyx Point, LoanSafe, SSA verification and IRS transcripts, Collateral Underwriter.

Unify Financial Credit Union May 2019 to June 2019

Underwriter (Contract)

Converting corrupt documents in EDM to create a complete file for Conventional Loans, HELOCS, and Portfolios.

Systems used: DRCI, EDM, Mortgage Builder

Gap in resume from May 2017 to May 2019 for family reasons

Castle and Cooke Mortgage Feb 2017 to May 2017

Underwriter

Underwriting FHA and conventional loans for all states in the nation.

Work with processors and Loan Officers to qualify borrowers in a retail environment.

Working remotely and adhering to FHA/FNMA and Freddie Mac guidelines.

Systems used: FHA Connection, DU and LP. BYTE PRO and FHA Connection, Collateral Underwriter.

CMG FINANCIAL Sept 2016 to Feb 2017

FHA/Conventional Underwriter

Underwriting FHA and Conventional loans for Southwest regional fulfillment center.

Working with brokers, account executives in qualifying borrowers for mortgage loans nationwide.

VA experience as a LAPP/SAR underwriter.

Working within CMG guidelines and FHA Connection, DU and LP.

Collateral Underwriter, LoanSafe, CRM, and FEMA.

Systems Used: DataTrac

Primary Residential Mortgage May 2014 to July 2016

Underwriter

Underwriting FHA and Conventional loans for the corporate office.

Working with different branches throughout the country.

Navigating through different investor guidelines as well as PRMI guidelines and overlays.

Experienced in several state DPA programs including Florida MAP, Lee and Broward County, NHF programs.

Primary focus in Florida and Alaska.

Reviewing RESPA, GFE and TIL and eventually conversion with TRID.

Systems used: Datatrac, DU, LP, FraudGUARD, FHA Connection, Encompass360

imortgage Oct 2011 to Mar 2014

Underwriter

Underwriting FHA, VA USDA Conventional and 203K loans.

Working closely with loan officers and processors to approve borrowers for mortgage loans.

Underwriting loans to various investor’s guidelines and overlays.

Knowledge of CALHFA DPA’s Working within a team environment to build excellent customer service and teamwork and issuing NOV’s.

Systems used: Point, Datatrac, DU, LP, GUS, FraudGUARD, FHA Connection and the VA Portal

MetLife Home Loans Jan 2010 to June 2011

Underwriter

Underwriting Conventional, FHA, USDA and VA loans for the Mountain West South region.

Working to determine borrower’s abilities to qualify for mortgage loans.

Knowledge of MetLife guidelines and policies and procedures as well as FNMA/FHLMC FHA, USDA and VA guidelines. Evaluates appraisals for accuracy and to determine if value is supported.

Extensive training in reviewing all types of appraisals. Attended numerous collateral training courses.

Excellent team building abilities and customer service oriented.

Systems used: DU, LP, TMO, CMS, Workflow, Fraudguard

MGIC Jan 2009 to Jan 2010

Underwriter

Conventional Underwriter for MetLife Home Loans.

Underwriting conventional loans for the South West Region.

Working closely with Coordinators, AE's and brokers to determine borrower's abilities to qualify for mortgage loans.

Well versed in MetLife guidelines and policies and procedures and FNMA/FHLMC guidelines.

Issuing Mortgage Insurance for qualified borrowers.

Systems used: DU, LP, TMO, CMS, WorkFlow, MGIC CONNECT

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