Shannon O. Vogel

**** ****** ****** **.

Matthews, NC 28105

704-***-**** Home

704-***-**** Mobile

ad3f94@r.postjobfree.com

FHA Chums #M264

FHA DE Underwriter

Relevant Experience

Finance of America Reverse (Remote) Oklahoma 6/2021 – 6/2023

Underwriter –

Underwriting HECM & HomeSafe reverse mortgages using the Link/MCP system.

Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.

Identifies/calculates loan risk of loss.

Conditions files for missing/supporting documentation.

Revisits loans to review and clear conditions.

Approves, counters or denies loan file.

Escalates fraud files to Credit Manager/Risk Management team.

Respond to all loan specific audits/findings.

Finance of America Mortgage (Remote) Charlotte 4/2019 – 6/2021

Underwriter –

Underwriting Conventional & FHA mortgages using LP and DU.

Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.

Identifies/calculates loan risk of loss.

Conditions files for missing/supporting documentation.

Revisits loans to review and clear conditions.

Approves, counters or denies loan file.

Escalates fraud files to Credit Manager/Risk Management team.

Respond within SLA to all loan specific audits/findings.

FirstBank Mortgage (Remote) Nashville, TN 1/2015 – 2/2019

Underwriter – Consumer Direct Mortgage

Underwriting Conventional & FHA mortgages using LP and DU.

Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.

Identifies/calculates loan risk of loss.

Conditions files for missing/supporting documentation.

Revisits loans to review and clear conditions.

Approves, counters or denies loan file.

Escalates fraud files to Credit Manager/Risk Management team.

Respond within SLA to all loan specific audits/findings.

Accenture Credit Services, Charlotte, NC 5/2014 – 12/2014

Senior Underwriter

Underwriting for the Bank of America Platform – reviewing MHA loans.

Underwriting authority $1,000,000.

SunTrust Mortgage, Charlotte, NC 2/2009 – 12/2013

Senior Underwriter

Underwriting Conventional and Portfolio mortgages through DU and LP.

Underwriting authority of $1,500,000

Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation.

Identifies/calculates loan risk of loss.

Conditions files for missing/supporting documentation.

Revisits loans to review and clear conditions.

Approves, counters or denies loan file.

Escalates fraud files to Credit Manager/Risk Management team.

Respond within SLA to all loan specific audits/findings.

Zenta, Charlotte, NC 2/2008 – 8/2008

Contract Underwriter

Underwriting Conventional Ready Buyer 1st Mortgage Loans through DU and LP.

Private Mortgage Insurance, Charlotte, NC 2004 – 2006

Contract Underwriter

Underwriting 1st and 2nd Mortgage Loans and HELOC’S for various mortgage brokers.

Alt A, DU & LP.

Worked on site at American Mortgage Network.

Republic Mortgage Insurance Company, Charlotte, NC 2002 – 2004

Contract Underwriter

Underwriting 1st Mortgage loans for various mortgage brokers using DU and LP.

Worked on site at Chase Manhattan Mortgage

Radian Guaranty, Charlotte, NC 1999 -- 2000

Contract Underwriter

Underwriting 1st Mortgage loans for various Mortgage companies using DU and LP.

Worked on site at Crestar Mortgage

Bank of America Mortgage, Charlotte, NC 1992 – 1999

Retail Mortgage Underwriter

Underwriting Conventional and FHA 1st Mortgage Loans.

Marine Midland Mortgage, Charlotte, NC 1989 – 1992

Quality Control Underwriter

Perform post-closing audit analysis for a pre-set percentage of first

Mortgages and home equity loans.

Independent Contractor (Various mortgage companies) 1986 – 1989

Mortgage Loan Processor

Processing Conventional, FHA and VA mortgage loans

Education

Central Piedmont Community College

Case Analysis and Legal Writing

Real Estate Law and Title Abstracting

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