Jonathan Harden

** ******** *** **** ****** GA **157 510-***-**** ad4lww@r.postjobfree.com

jonathan-harden-mba-0058b28

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Skills

• Experienced in conventional/jumbo mortgage underwriting

• Experienced in mortgage sales

• Experienced in Credit Union Environment

• Experienced in building relationships with internal/external stakeholders

• NMLS#1284988

Education

Mortgage Intern Program – Loan Servicing – Secondary Marketing – Underwriting - Compliance Duke University, Certificate, Business Metrics for Data Driven Companies M.B.A. – Business Administration, Keller Graduate School of Management DeVry University Bachelor of Business Administration, Augusta College United States Army Veteran

Volunteer Experience

• NASA Department of Education

• Junior National Young Leaders National Nominating Committee Experience

Citi

Underwriter 01/2021 -

• Review, analyze and approve complex mortgage loan requests and products within company and industry guidelines

Cardinal Financial

Underwriter 08/2020 – 01/2021

• Review, analyze and approve complex mortgage loan requests and products within company and industry guidelines

• Review business tax returns and evaluate cash flow, asset and financial strength of company

• Review credit report and evaluate revolving debt utilization Fremont Bank

Loan Underwriter 10/2019 – 08/2020

• Review, analyze and approve complex mortgage loan requests and products within company and industry guidelines

Wolberg Michelson

Senior Administrative Analyst (Contract) 03/2019 - 6/2019

• Conducted data analysis for Bart Office of Civil Rights

• Planned and prioritized work by interpreting and applying Federal regulations in complex and time sensitive situations

Jonathan Harden

31 Fairview Oak TRCE Dallas GA 30157 510-***-**** ad4lww@r.postjobfree.com jonathan-harden-mba-0058b28

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Santa Clara County FCU 07/2018 - 02/2019

Lending Administration Supervisor

• Compliance subject matter expert for all the lending business lines, including real estate, consumer, and collections

• Provided support and analytical expertise to meet business objectives Wells Fargo 06/2015 - 06/2018

Underwriter

• Reviewed, analyzed and approved complex consumer loan requests and products within company and industry guidelines

• Reviewed financial statements, credit reports, and assets to determine overall risk of transaction

• Prepared formal reports for review

Fremont Bank 12/2014 - 03/2015

Underwriter (Contract)

• Analyzed between 25 and 32 files, over a 6-month period, to make sure residential loans and foreclosures followed credit policy guidelines

Social Finance 12/2013 - 07/2014

Underwriter (Contract)

• Reviewed credit, income, assets and collateral documentations to ensure accurate calculations

Waypoint Homes 08/2013 - 2/2013

Underwriter (Contract)

• Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process Mason McDuffie Mortgage 07/2012 - 07/2013

Underwriter

• Delegated underwriting guidelines for conventional and jumbo residential loans

• Responsible for analyzing credit, capacity, and collateral in accordance with established policies and procedures

Robert Half 01/2012 - 06/2012

Auditor /Underwriter (Contract)

• Reviewed funded first mortgages and determined if loans decision was supported by credit policy

Loan Administration Network 10/2010 - 4/2011

Underwriter (Contract)

• Analyzed and evaluated all aspects of the borrower's credit, employment, income and financial statements, analyzed the Real Estate Appraisal report and made decisions on information supplied to ensure marketability and value of property were supported Additional Relevant Experience

Nelson Staffing, San Francisco CA

Robert Half International, San Francisco CA

Underwriter Loan Administration Network, Irvine CA Loss Mitigation Underwriter Bank of America, Concord CA Underwriter, First Republic Bank, San Francisco CA

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