CHRISTINE LIMAS

626-***-**** ad4g2j@r.postjobfree.com

SUMMARY

Dedicated and detail-oriented Underwriter with over a decade of experience in financial analysis, credit risk assessment, and mortgage underwriting. Skilled in evaluating loan applications, determining creditworthiness, and adhering to regulatory guidelines. Adept at building strong relationships with clients and colleagues, facilitating smooth transactions and ensuring customer satisfaction. Specializing in a diverse array of Conventional loans, including: Condos, PUDs, SFR, Manufactured Homes, Multi-Properties, Gift of Equity, Down Payment Assistance Programs, Primary Residence, Second Homes, Investment Properties, Leasehold and Manual loans. Seeking to leverage expertise in a challenging Underwriter role.

EXPERIENCE

Underwriter, Lendistry (2023 – 2023)

Skilled in reviewing and analyzing independent business valuation proposals.

Adept at drafting thorough credit memorandums for new loans, syndications, and renewals, directly submitted to the Chief Credit Officer and Loan Committee for approval.

Capable of completing special projects for management, such as Dual Risk Rating Reports, Common Reporting Standards, and State Guarantee Guidelines.

Known for establishing robust customer relationships, effective networking, negotiation skills, and delivering exceptional customer service.

Sr. Underwriter, New American Funding (2013 - 2022)

Conduct thorough financial analyses using statements and reports, including tax returns, to evaluate loan package risks.

Vigilant in fraud prevention through meticulous document monitoring and reporting.

Collaborate with Relationship Managers to minimize loan risks through strategic restructuring, Identify error trends and high-risk cases for proactive management.

Proficient in mentoring and training new team members on procedural accuracy and consistency.

Demonstrated a working knowledge of various laws, regulations, and industry guidance that affected internal financial institutions compliance programs.

Underwriter III (Contractor), Wells Fargo Home Mortgage (2012 - 2012)

Conducted meticulous document reviews to ensure consistency and alignment with company and industry standards.

Implemented sophisticated fraud detection methodologies and conducted thorough compliance assessments.

FHA Underwriter III, Prospect Mortgage (2010 - 2012)

Underwrote FHA loans to mortgagee letter 0952, 1023, and retained purchase.

SKILLS:

Front Line Underwriter Quality Assurance DU and LP AUS Encompass 360

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