ad3r98@r.postjobfree.com 704-***-****

Objec ve

To u lize my 17 years of mortgage underwri ng and management skills to obtain a role where I will have the ability to lead, influence, and make decisions. EDUCATION

University Of Kaliningrad

May 2001, Bachelor of Science

• DE Cer fied Since 2009

• MBA Cer fied

• EXPERIENCE

Ally Home Mortgage Charlo e, NC

Senior Analyst – BL Risk Tes ng- BULK May 2020 - through November 2022

Manual Re-Underwri ng of Jumbo loans for investor purchases

Reviews include Compliance, Credit, Appraisal, Title, Closing documents and more

Approved or declined for loans to be purchased

Reviewed Seller Reviews for new approvals and Re-Cer fica ons for mul ple Bulk sellers

Updated Seller review checklists for approvals or declines

So ware- ACES. Compliance Ease, QCyneregy, AIQ, Power BI and Encompass Quicken Loans Charlo e, NC

Retail and Wholesale DE Underwriter March 2019 through May 2020

Responsible for underwri ng new files and resubmissions

Great knowledge of LP and DU

Communicated with Loan officers, processors and/or realtors on daily bases

Educated other par es for loan restructures

American Advisors Group Orange, CA – Remote

Wholesale DE Underwriter III October 2016 – June 2018

Responsible for underwrite new files and resubmissions

Review includes – Appraisal, Credit, Income, Title – Including POA, Trusts, Solar agreements

Responsible for calling partners/brokers- going over denials or restructure of complex files.

Mee ng 70 points of monthly quality underwri ng requirements

Received Gold Stars for detailed oriented reviews.

So ware- FraudGuard, Land Force, Reverse Version BB&T Bank Greensboro, NC

QM Underwriter June 2015 – October 2016

Responsible for reviewing closed files for compliance and fraud

In charge of re-underwri ng Conven onal, FHA, VA and USDA loans

Managed 25 point review process

Served as project lead for BB&T philanthropic lighthouse project

So ware- Calyx Point, FraudGuard, Unifi

Lakeview Loan Servicing Miami, FL

DE Underwriter Feb 2013 – Oct 2014

First underwriter to pilot remote program

2

Underwrote HARP, FHA, and Conven onal loans

Trained new hires on all company products and guidelines

In charge of 80 point review process

So ware- FraudGuard, DU, LP, Encompass

Wells Fargo Home Mortgage Lake Mary, FL

DE Underwriter/ Renova ons Mar 2010 – July 2011

Lead underwriter chosen to spearhead 203K renova on program

Served as educa on coordinator to facilitate 203K training

Consistently exceeded daily loan file requirements

Manually Underwrote 203K,

So ware- LIS

Genius Mortgage Solu ons Portland, ME

CEO/Underwri ng Manager June 2005 – Jan 2010

Responsible for the oversight of underwri ng for mul -state brokerage

Hired, cer fied, and managed a team of six underwriters

Managed compliance processes for all loan product

So ware- BytePro, FraudGuard, DU, LP, Encompass, QCnergy, Compliance ease 3

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