MICHELLE SUR

La Habra, CA 213-***-**** ad4x9w@r.postjobfree.com

PROFESSIONAL SUMMARY

High Motivated Mortgage professional with over 15+ years industry experience, able to handle multiple tasks and high volume with ease and efficiency. Detailed oriented, with in-depth knowledge of FHA, Fannie, Freddie and Investor specific guidelines.

AREAS OF EXPERTISE

● FHA, FHA Streamline, Fannie, Freddie, Jumbo Products

● Proficiency in Encompass Software, Mortgage Builder Software, Lending QB

● Cash Flow analysis of tax returns

● Excellent verbal and communication skills

● Excellent attention to detail

● Loan-to-Value calculation; Debt-to-income calculation; Credit and Income Analysis; Fraud analysis of loan document PROFESSIONAL EXPERIENCE

FHA/DE Underwriter – FHA / Conventional – Retail Underwriting New American Funding, Inc., Tustin, CA (remote) Aug 2020 – Nov 2023

● Analyze complex property and credit documentation to determine risk while utilizing strong knowledge of loan products including Conventional and FHA to ensure secondary market salability and investor salability

● Approve and make denial recommendations for loans falling within the scope of the Home Mortgage Disclosure Act

(HMDA) by verifying income and asset documentation, conducting liabilities analysis, interpreting credit analysis, reviewing collateral documents, signing off on loan conditions, and ensuring ability to repay loan

● Process loan applications within established lending authorities and guidelines from initial consultation through funding; review appraisals to ensure that loans meet secondary market, investor, and company standards; obtain loan approvals within strict deadlines

● Analyze and interpret customer applications, credit reports, loan-to-value ratios, debt-to-income ratios, income and assets, sources of down payment funds, and all supporting documentation for accuracy and completeness

● Provide excellent customer service by overseeing all interactions from loan origination process until mortgage loan close; respond to exceptions noted by the Internal Audit and QA reports

● Ensure loan file compliance with Investor/ Insurer guidelines, Federal Regulations, and credit union policy; stay abreast to current trends in the mortgage markets on Fannie Mae/ Freddie Mac, FHA and Federal Home Loan Bank requirements and industry trends

FHA/DE Underwriter – FHA/Streamline / Conventional/Jumbo Underwriter – Retail Underwriting Paramount Residential Mortgage Group, Inc., Corona, CA (remote) Sept 2019 – Aug 2020 Angel Oak Home Loans, Los Angeles, CA (remote) Aug 2017 – Nov 2018

● Analyze complex property and credit documentation to determine risk while utilizing strong knowledge of loan products including Conventional, FHA, NON-QM, and Jumbo to ensure secondary market salability and investor salability

● Approve and make denial recommendations for loans falling within the scope of the Home Mortgage Disclosure Act

(HMDA) by verifying income and asset documentation, conducting liabilities analysis, interpreting credit analysis, reviewing collateral documents, signing off on loan conditions, and ensuring ability to repay loan

● Process loan applications within established lending authorities and guidelines from initial consultation through funding; review appraisals to ensure that loans meet secondary market, investor, and company standards; obtain loan approvals within strict deadlines

● Analyze and interpret customer applications, credit reports, loan-to-value ratios, debt-to-income ratios, income and assets, sources of down payment funds, and all supporting documentation for accuracy and completeness

● Provide excellent customer service by overseeing all interactions from loan origination process until mortgage loan close; respond to exceptions noted by the Internal Audit and QA reports

● Ensure loan file compliance with Investor/ Insurer guidelines, Federal Regulations, and credit union policy; stay abreast to current trends in the mortgage markets on Fannie Mae/ Freddie Mac, FHA and Federal Home Loan Bank requirements and industry trends

FHA/DE Mortgage Underwriter / Conventional/Jumbo Underwriter – Retail underwriting Wintrust Mortgage, Van Nuys, CA Sept 2014 – Aug 2017 Bankers Xpress, LLC, Woodland Hills, CA Feb 2014 – Sept 2014 Chase Bank, Northridge, CA Sept 2012 – Dec 2013

● Analyze financial and non-financial data to achieve optimal quality assets for the bank while meeting the needs of the borrower through underwriting NON-QM loan products, Conventional, FHA and Jumbo loans

● Verify income and asset documentation, conduct liabilities analysis, interpret credit analyses, review collateral documents, sign off on loan conditions, ensure ability to repay

● Offer customized recommendations and options to borrowers regarding loan programs; approve and make denial recommendations for loans falling within the scope of the HMDA

● Evaluate loan documents to ensure accuracy, data integrity, and compliance with company, regulatory, investor, bank, federal and agency standards and guidelines

● Ensure loan file compliance with federal regulations, investor and insurer guidelines, credit union policy, and all applicable regulations and ordinances

● Complete underwriting approval to provide to loan officer, loan processor and loan closer

● Determine solutions to problems with implementation of new loan programs and investor loan requirements for new products

FHA/Streamline / SASE Level 3 Conventional – Retail Underwriting Bank of America, Pasadena, CA Jan 2009 – Aug 2012

● Underwrite FHA and Conventional loans; approve and make denial recommendations for loans falling within the scope of the Home Mortgage Disclosure Act (HMDA) including FHA, conventional, and portfolio mortgage products

● Examine loan documentation for accuracy and completeness for one of the largest nationwide corporations specializing in home loans/Operations Department FHA/DE Mortgage loans

● Provide customized recommendations and options to borrowers regarding the most suitable loan programs; verify accuracy of data against the system; manage the resolution of deficiencies; address quality control and post-closing issues

● Collaborate with staff and loan specialists to secure all required documents to satisfy approval criteria; respond to individual and investor audits upon request

● Address and resolve deficiencies, post-closing issues, and discrepancies reported by Internal Audit SKILLS

Advanced Microsoft Office Suite: Excel, Word, PowerPoint, Outlook FHA Direct Endorsement Certification AUS Systems proficient Fannie Mae/Freddie Mac & FHA underwriting guidelines Extensive knowledge of Conventional underwriting

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