Personal Proϐile

CerƟfied and Dedicated Senior Underwriter, highly proficient in handling government loans as well as convenƟonal, non- QM loans, retail and wholesale in all 50 states for 20+ years. Known for skills in accurately analyzing appraisals in relaƟon to market condiƟons and experƟse in risk assessment, income/credit analysis and documentaƟon review . Organized and detail-oriented, with proven success in managing all aspects of underwriƟng producƟon, collaboraƟng with team members, and driving loans to successful funding and closing. Certiϐication FHA DE CHUMS #W372 VA LAPP-SAR ID#009492 Expertise Mortgage UnderwriƟng I Government Loans I ConvenƟonal I Non-QM I Jumbo I FHA Fannie Mae/Freddie Mac I Bonds I DAP Programs for Purchasers I Refinancing & Cash Out Title & Purchasing Contracts I Credit Analysis I Risk Management I Appraisal Assessment Cash Flow Analysis I Customer RetenƟon

Skills CommunicaƟon I Problem-Solving I MulƟ-Tasking I PrioriƟzing I CollaboraƟon I NegoƟaƟon Decision-Making I AƩenƟon to Detail I Time Management I Mentoring I Customer Service Technical Encompass Paperless System I DU I LP I Total Scorecard I Fraud Guard VA’s Weblgy I Vero Score

INDEPENDENT CONTRACTOR/ ASSOCIATE (remote/in office) JAR Insurance Services, Orange County, California November 2022 - Present Assist with client enrollment into medical plans and financial investments.

(Working part-Ɵme while seeking a full-Ɵme Senior UnderwriƟng or comparable posiƟon.) SENIOR VA-SAR & DE UNDERWRITER (wholesale/remote)

NaƟons Direct Mortgage, Santa Ana, California January 2022 – September 2022

Conducted in-depth analysis of each borrower’s credit, income, assets and condiƟons in accordance with VA, FHA, ConvenƟonal and Non-QM guidelines.

Underwrote referred loans manually and downgraded as necessary, including counteroffers.

Issued NoƟces of Value for 1-4 unit properƟes, conducted in-depth review of appraisals and Vero score based on VA’s minimum property standard guidelines.

Completed income and asset worksheets, verified employment and ensured 25% guaranty/sufficient equity to meet VA/investor guidelines.

Set and cleared all prior to doc and funding condiƟons. VA-SAR DE, CONVENTIONAL UNDERWRITER (retail/remote) Fairway Independent Mortgage, Madison, Wisconsin March 2021 – January 2022

Worked with VA, FHA, convenƟonal purchases, refinances and bond loans, set condiƟons and cleared loans for closing.

Ensured creditworthiness of borrowers to meet investor guidelines and company overlays. ing

SENIOR UNDERWRITER – CREDIT ANALYST

Specializing in VA, LAPP-SAR/DE – Conventional Loans Elizabeth Marie Perry

HunƟngton Beach, California – 714-***-**** – ad47vz@r.postjobfree.com PROFESSIONAL EXPERIENCE

Resume, page 2 of 2: Elizabeth Perry, 714-***-**** VA-SAR and DE Underwriter (wholesale-retail/remote) Mr. Cooper/ NaƟonstar Mortgage CorporaƟon, Orange County, California July 2019 – March 2021

ParƟcipated in Product Risk Management team reviewing defect loans post-closing, repurchases and rate/term fails. Dealt with customers directly and underwrote loans depending on defects that had prevented loans from being sold to investors.

Managed a pipeline of 60% VA, 30% FHA, and 10% convenƟonal loans, including full doc VA and FHA cash-out refinances, IRRRL’s and purchases; reviewed appraisals of all loan types and issued NoƟces of Value for VA loans.

Analyzed wage-earner and self-employed incomes, personal and business returns including S&C Corps, LLC’s, LLP’s and bank statements to determine assets and idenƟfy red flags. VA UNDERWRITER/ SAR #009492 (retail/remote)

Veterans United Home Loans, Irving, Texas March 2017 – July 2019 Conducted in-depth analysis of credit, income, 1040’s, business tax returns, S Corps, C Corps, partnerships, assets and appraisals to determine credit worthiness of borrowers and ensure loans were in adherence with VA guidelines. GOVERNMENT UNDERWRITER III (retail/remote)

Bay Equity, Corte Madera, California June 2015 – March 2017

Managed pipeline of 40% VA, 50% FHA and 10% convenƟonal loans, purchases and refinances (cash out and rate/term).

Underwrote Calhfa, MCC and silent seconds and issued NoƟces of Value for all VA loans.

Cleared all condiƟons for closing and funding to meet guidelines. SENIOR UNDERWRITER (retail/in-house)

PennyMac, Pasadena, California April 2014 – May 2015

Downgraded to manual underwriƟng as needed including counteroffers.

Worked with VA, FHA. ConvenƟonal and Jumbo purchases and refinances.

Adhered to PnMac overlays and uƟlized DU/FHA Scorecard and LP. UNDERWRITING CONSULTANT (self-employed) May 2012 – April 2014 SENIOR UNDERWRITER

America’s Lending Group, HunƟngton Beach, California April 2005 – May 2012

Managed a pipeline of ConvenƟonal, FHA and VA loans.

Ensure salability of loan with careful determinaƟon of creditworthiness and analysis of risk, alleviaƟng suspense documentaƟon required by investors.

Collaborated regularly with customers and loan representaƟves regarding underwriƟng condiƟons, loan structure and closing status.

Real Estate Finance and Credit Risk Analysis coursework, DUN & BRADSTREET Business, Finance and Law Enforcement, FULLERTON COLLEGE, Fullerton, California EDUCATION AND TRAINING

Provided independent consulƟng services and mentored underwriters and processors. Consulted on FHA and VA loans, guidelines and various LOS systems.

Earned PennyMac’s VA LAPP approval by underwriƟng and submiƫng 25+ test cases to VA’s regional offices. This enabled the company to close loans automaƟcally without needing prior approval by the Veterans AdministraƟon.

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