CARMEN PETTWAY

CONTACT

Commerce Twp. MI *****

313-***-****

ad3x2r@r.postjobfree.com

PROFILE

** ***** ** ******** ******* and underwriting experience with FHA, VA, Fannie Mae, Freddie Mac, Retail, Wholesale, Portfolio, USDA, and Manual Underwriting. Familiarity with HUD underwriting guidelines, HUD housing handbooks, Mortgagee Letters and documentation, mortgage and legal documentation.

EDUCATION

BACHELORS IN

FINANCE & ECONOMICS

Grand Canyon University

Phoenix, Arizona

KEY SKILLS

Microsoft Office – Word,

Excel, Power Point, Outlook

Lotus Notes

Desktop Underwriter

Loan Prospector

Land Safe – Value Finder

Data Verify – Fraud Finder

Encompass 360

Lakewood; BMP; EDMS

TRAINING &

EXPERIENCE

FHA Direct Endorsement

Certification

VA LAPP/SAR

NMLS (S.A.F.E ACT)

Valid CHUMS

VA LAPP/SAR - Inactive

EMPLOYMENT HISTORY

REMOTE UNDERWRITER IV • MAY 2019 – OCTOBER 2023

Nation’s Lending - Independence, Ohio

• Underwrite to Fannie Mae, Freddie Mac, FHA, USDA, and Portfolio.

• Strong Knowledge of basic underwriting skill set (analysis of credit, income, assets, collateral, and guidelines).

• Ability to work independently as well as in a team environment

• Resolve complex problems and issues.

• Interacted daily with loan officers, processors, and sales directors regarding appraisal concerns to close loans efficiently.

• Approve, decline, or suspend mortgage loan submission.

• Strong Knowledge of underwriting skill set (analysis of credit, income, assets, collateral, and guidelines).

• Run or re-run DU/DO as necessary to complete underwriting review REMOTE UNDERWRITER IV • MAY 2016 – MAY 2018

Loan Depot – Foothill Ranch, CA

• Underwrote to Fannie Mae, Freddie Mac, FHA, USDA, and Portfolio.

• Ability to work independently as well as in a team environment

• Resolve complex problems and issues.

• Interacted daily with loan officers, processors, and sales directors regarding appraisal concerns in order to close loans efficiently.

• Approve, decline, or suspend mortgage loan submission.

• Strong Knowledge of underwriting skill set (analysis of credit, income, assets, collateral, and guidelines).

• Run or re-run DU/DO as necessary to complete underwriting review REMOTE UNDERWRITER IV • MARCH 2012 – APRIL 2016

Lender Live – Madison Heights, MI

• Underwrote to Fannie Mae and Freddie Mac.

• Strong Knowledge of basic underwriting skill set (analysis of credit, income, assets, collateral, and guidelines).

• Excellent communication skills both in writing and verbally.

• Able to interact with all levels of staff and management.

• Excellent organizational skills with attention to detail.

• Able to prioritize workload and meet deadlines.

• Able to multi-task, problem solve proactively and think creatively.

• High attention to detail.

• Ability to perform according to standards and guidelines.

• Approve, decline, or suspend mortgage loan submission. SR. UNDERWRITER • JUNE 2009 – JANUARY 2012

JP Morgan Chase Bank – Bloomfield Hills, MI

• Underwrote individual loans with lending authority.

• Highly proficient in Fannie Mae, Freddie Mac, and FHA.

• Evaluated credit and property documentation on loan files so that the appropriate decisions are made as to acceptability of the investment risk.

• Interacted daily with loan officers, processors, and branch managers.

• Resolved complex problems and issues.

• Approved, declined, or suspend mortgage loan submission. APPRAISAL ANALYST • APRIL 2005 – JUNE 2009

Quicken Loans – Detroit, MI

• Interacted daily with loan officers, processors, and sales directors regarding appraisal concerns in order to close loans efficiently.

• Reviewed the appraisal to determine appropriate value, compliance and acceptability of the subject property.

• Highly proficient in FHA, Fannie Mae, Freddie Mac, and Subprime.

• Full working knowledge of the mortgage underwriting process from application to closing, with the ability to underwrite first and second mortgages.

• Consistently hit and exceeded monthly goals averaging 120% to goal expectations.

Contact this candidate