Linda Brown

***** ********** *****

Fontana Ca **336

Cell: 909-***-****

Email: ad456y@r.postjobfree.com

Summary:

Mortgage Underwriter with 35 plus years of experience, who has extensive knowledge and expertise in FHA, VA, and Conventional loans. Responsible for thoroughly reviewing loan files and providing a loan decision of approval or denial in a timely manner. Known for a high level of customer service including extensive communication. Skills:

-Strong knowledge of automated underwriting systems including DU and LP-

-know for high level of customer service including extensive communication

-financial data collection abstracts and regulatory compliance

-collecting and evaluated all loan documents to minimize approval conditions upon initial submission

-Experience: FHA chums—VA Lapp –Conv. loans and NON-QM loans

-Highly skilled in Microsoft Office, Microsoft Excel, Encompass, DocVelocity, Trello, Point.

-Manual Underwriting, collateral review, and fraud analysis for multiple states.

-Strong analytical and problem-solving skills and ability to handle multiple tasks with frequent interruptions

-Knowledge of basic accounting processes and procedures

-Able to manage quality control audits and daily reports

-Performed other duties as assigned and provide additional support for all operations staff/processors

-Well-versed in federal regulations and regulatory agencies including USPAP, HMDS, RESPA, FNMA, FHLMC, and Fair Lending

-Diligent and detail oriented thorough /requesting borrowers information

-Ensure collateral is perfect and cleared for final closing and provide additional help/support of DLC operations Professional Experience:

LENDING 3, INC - MAY 7, 2020 to October 21, 2022

DE UW III (CONV -FHA DE & NON-QM )

- Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and other factors when making underwriting decisions. Some files had a Community non profit 2nd

- Preformed critical risk analysis of loan packages, credit, income, financial statements, and appraisals, to deliver valid credit decisions.

- Communicated with Loan Officers and Processors to clear conditions and deliver superior customer service.

- Maintained and exceeded company standard policy for productivity level, which complies with the policy of 48-hour underwriting turnaround time and 24-hour turnaround time for clearing conditions.

- Reevaluated loan conditions based on change of circumstance and loan officer requests, providing alternatives, workarounds, and income restructuring when necessary.

-closing challenging loan application files with problematic credit history outperformed company average in achieving Loan underwriting time frame

Paramount Residential Mortgage Group- September 2019 to May 2020 DE UW (Conv/FHA DE/ 2nd t.d.-EQUITY LINES AND VA LAPP )

- Managed a pipeline of underwriting files that were received from brokers.

- Reviewed residential loan application files to verify that application data was complete and met establishment standards.

- Trained Account Executive and Account Managers on files by working closely with the brokers on how to properly take a 1003 in full and why certain items are needed on files. Provident Savings Bank - July 2009 to April 2019

DE UW and Sr. Processor/ Conv/ FHA DE /VA LAPP /2ND T.D AND EQUITY LINES

(Bank closed all retail branches for R/E)

- Determined credit worthiness and risk associated with borrower based on credit profile.

-worked closely with loan officers and the borrowers

- Used established procedure and significant job experiences to perform moderately complex work assignments and problem resolution.

- Maintained compliance with lending, underwriting and government requirements

- Tripled the branch funding since joining the company

-review supporting documentation to determine entity’s ability to enter into a loan agreement and pledge collateral, required authorized signature and if the property is located in a flood plain

-accurately request or prepare closing documentation needed for specific loan type and structure National City Mtg 5/5/2001 thru 7/2009

(branch closed)

Conv UW/ Sr Processor and office manager

-Manage pipeline and locks.

- Duties included processing all types of loan and ability to approve Conventional loans

- Used system known as DU and LP and had the ability to manual u/w Conventional loans.

- Had weekly staff meetings to go over pipeline, scenarios and guidelines.

-Monitored Loan Production, loan quality control and timelines of work flow for the branch.

-Processed all Conv-FHA-VA-all City and County Products/Bonds, MCC, SCHFA.

-work with loan office and the borrower to obtain paperwork by banking regulations and bank policy/procedure

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