ANA L. MICHEL

***** ******* **., ***** ** Springs, CA 90670

714-***-**** (mobile)

Email: ad3xiu@r.postjobfree.com

OBJECTIVE

A challenging remote position where my knowledge and skills can be further utilized to assist in building an efficient team and offer stability.

SUMMARY

Extensive experience in interpreting underwriting guidelines, reviewing credit and income documentation. Strong organizational skills with attention to detail. Investigating and researching fraud issues. Team player, good problem solving and analytical skills.

PROFESSIONAL EXPERIENCE

First Savings Bank, Louisville, KY (April 2019 – Nov 2023) Remote FHA/Conventional Underwriter, Santa Fe Springs, CA

Evaluate mortgage loan applications to determine if eligibility and acceptability with state, federal and Investor guidelines. TPO and Retail.

Review LTV, credit report, income, appraisal, title report to ensure each loan meets company standards for sale into secondary market. Ensure that the AUS information is accurate and finalize credit risk decision.

Efficient in determining if conditions are acceptable. Efficient in reviewing income for self-employed borrowers.

Government Underwriting; Active CHUMS ID

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed.

Reviews appraisal to ensure value of property.

Home Mortgage Alliance Corp. (July 2018- March 2019) Remote FHA/Conventional Underwriter, Santa Fe Springs, CA

Analyze the risk of a loan transaction and provide justification to support loan decision while maintaining turn times.

Review LTV, credit report, income, appraisal, title report to ensure each loan meets company standards for sale into secondary market. Ensure that the AUS information is accurate and finalize credit risk decision.

Efficient in determining if conditions are acceptable. Efficient in reviewing income for self-employed borrowers.

Review appraisals to ensure value of property.

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed.

Knowledge of agency underwriting, internal overlays and selling guidelines. New American Funding (July 2017- Mar 2018)

Remote FHA/Conventional Underwriter, Santa Fe Springs, CA

Review credit, income and assets documentation and determine applicant’s repayment ability.

Review property appraisal report to ensure value of property and meets FHA and Agency guidelines.

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed. Knowledge of agency underwriting and selling guidelines.

Able to follow AUS findings as well as manually underwrite loans.

Clear concise and appropriate conditioning of loans. Ensure quality control standards are met. Home Mortgage Alliance Corp (Mar 2016- July 2017)

Remote FHA/Conventional Underwriter, Santa Fe Springs, CA

Analyze the risk of a loan transaction and provide justification to support loan decision while maintaining turn times.

Review LTV, credit report, income, appraisal, title report to ensure each loan meets company standards for sale into secondary market. Ensure that the AUS information is accurate and finalize credit risk decision.

Efficient in determining if conditions are acceptable. Efficient in reviewing income for self-employed borrowers.

Knowledge of agency underwriting and selling guidelines.

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed.

Reviews appraisal to ensure value of property.

OGI MORTGAGE BANKERS. (February 2015- February 2016) FHA/Conventional Underwriter, Santa Fe Springs, CA

Evaluate loan submissions and generate credit decision in accordance with FNMA, FHLMC, FHA, Investor overlays as well as internal overlays.

Review LTV, credit report, income, appraisal, title report to ensure each loan meets company standards for sale into secondary market. Ensure that the AUS information is accurate and finalize credit risk decision.

Review personal and business tax returns.

Provide compensating factors and layers of risk to support loan decisions.

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed.

Maintain turn around times with reviewing conditions, funding and new loan submissions. STONEGATE MORTGAGE CO. (December 2013- January 2015) FHA/Conventional Underwriter, Cerritos, CA

Determine and evaluate the risk of a loan transaction and provide justification to support loan decision.

Review LTV, credit report, income, appraisal, title report to ensure each loan meets company standards for sale into secondary market. Maintain quality and production while answering questions and incoming calls.

Ensure that the AUS information is accurate and finalize credit risk decision.

Review FHA & Conventional loans. Review personal and business tax returns.

Provide compensating factors and layers of risk to support loan decisions.

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed.

Review down payment assistance programs, such as CALHFA, CHDAP, CALPLUS

Maintain turn around times with reviewing conditions and new loan submissions. HOME SERVICES LENDING, LLC(a division of Wells Fargo) (December 2012- September 2013) Consumer Loan Underwriter, San Bernardino, CA

Income analysis which includes reviewing self-employment, corporate and partnership tax returns.

Determine qualification of loan applicant and ability to repay.

Ability to handle confidential material in a professional highly ethical manner.

Research and gather information to make appropriate decisions. Thorough understanding of underwriting policies and procedures, including investor guidelines. Review FHA & Conventional loans.

Review LTV, credit report, AUS findings and possess a high degree of attention to detail.

Maintain constant communication with sales team ensuring credit decisions are explained and offering alternate options if needed.

WELLS FARGO HOME MORTGAGE (March 2009- December 2012) Consumer Loan Underwriter, San Bernardino, CA

Interpret underwriting guidelines and evaluate credit worthiness. Review and analyze financial statements, credit reports and income documentation. Examine loan documents to ensure accuracy.

Ensure documentation is consistent with guidelines. Evaluate the degree of risk of loan applications. Re-work file to meet guidelines. Analyze wage earner and self-employed income.

Research and gather information to make appropriate decisions. Review FHA and Conventional loans.

Time management and organization skills to effectively prioritize multiple tasks and achieve volume goals. Quality Assurance Analyst, Addison TX

Review and audit foreclosure files as required by the Office of the Comptroller of Currency.

Analyze foreclosure documents and processes for quality and compliance to bank policies and procedures, and government regulations.

Consumer Loan Underwriter, Addison TX

Interpret underwriting guidelines (Conventional/FHA) and evaluate credit worthiness. Review and analyze financial statements, credit reports and income documentation. Examine loan documents to ensure accuracy.

Ensure documentation is consistent with guidelines. Evaluate the degree of risk of loan applications. Re-work file to meet guidelines. Research and gather information to make appropriate decisions.

Maintain turn around times with reviewing conditions and new loan submissions. DECISION ONE MORTGAGE, Brea, CA (Sept 2002 – June 2007) Member of HSBC group, a multi-billion dollar financial institution. Underwriter

Interpreted underwriting guidelines, matrices, rate sheets, evaluated credit worthiness, pricing & terms of real estate loan requests. Review appraisal report and preliminary title report. Analyzed income documentation, looked for accuracy. Investigated and researched fraud issues. Evaluated the degree of risk of loan applications.

Assisted sales reps with product placement, reworked files to meet investor guidelines or place with alternate investor.

Promoted within the company from an Account Manager to an Underwriter. Received Top Performer as an Underwriter.

Underwrote 6-8 submissions a day, while maintaining a 24-hour turn time.

Had loan authority of $500,000, highest in the branch.

Reviewed and second signed files for underwriters with lower loan authority.

Part of the entertainment committee, organized team building events to create a good work environment and promote office morale.

EDUCATION

Bachelor of Science, Rehabilitation Counseling Services, Dean’s List California State University, Los Angeles, CA

OTHER SKILLS

Direct Endorsement Chums ID

PC Skills – Windows, Word, Excel, and Outlook

LOS - Encompass 360, OpenClose

Certificate of Completion – Managing Your Small Business

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