Ryan Andriulli

Senior Mortgage Underwriter

+1-720-***-****

ad3p8o@r.postjobfree.com

Gilbert, AZ 85296

Summary of Qualifications

Senior Mortgage Underwriter for VA, USDA, FHA and Conventional lending. Experienced in working with Encompass, Meridian Link, DU, LP, GUS and manual underwriting. Extensive knowledge in interpreting and analyzing complex tax returns and financial documents for self-employed borrowers. Solid and progressive experience in decision-making with a high-level of attention to detail. I am a very hard worker. I thrive under pressure and moving forward towards the common goal of loan closings. I pride myself in efficiency and speed in whatever I'm doing. I love a challenge and enjoy problem solving.

Current knowledge of RESPA and MDIA regulations. Nationwide underwriting experience includes: FNMA FHLM FHA VA Conforming & Non-Conforming Equity Construction Seconds Manual SFR 1-4 Units Investment Second Homes Condos Co-ops Construction Manufactured Homes

Work Experience:

Senior Mortgage Underwriter

American Pacific Mortgage - Remote

February 2015 to August 2023

LAPP/SAR VA Mortgage specialist.

Mortgage Underwriter

Urban Lending Solutions - Broomfield, CO

May 2013 to December 2014

Underwriter for VA and Conventional refinance and purchases through retail and consumer direct channels.

Mortgage Underwriter I / VA Specialist

USAA Federal Savings Bank - Phoenix, AZ

January 2011 to April 2013

Underwriter for Conventional and VA mortgage loans. Analyzed complex tax returns and financial documents. Reviewed and approved VA Appraisals.

Mortgage Underwriter II / Tax Return Specialist

Wells Fargo Home Mortgage - Phoenix, AZ

January 2009 to January 2011

Underwriter for Conventional, FHA and VA mortgage loans. Specially assigned to the income underwriter team for complex income reviews.

Mortgage Loan Processor

Professional Lending Associates Inc - Mesa, AZ

September 2000 to January 2009

Communicated with mortgage loan clients from loan applications, approval process, income and asset verification, review of loan documents, requesting 3rd party verification, submissions to underwriting, clear to close/funding conditions, loan submissions to Broker lenders and working with closing agents.

Education

Arizona School of Real Estate - Scottsdale, AZ

October 2000 – December 2004

Morris County College - Township of Randolph, NJ

Business related studies

1998

Certifications and Licenses

VA LAPP/SAR

SAR ID: 024406

References furnished upon request.

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