North Carolina Mortgage Underwriter

Sandra C. Conrad

**** ****** ***., *********, ** 28214

586-***-**** cell ad5pwc@r.postjobfree.com e-mail

Senior Underwriter

Qualification Summary

·Proven track record as an effective communicator integrating a systematic approach to solving problems

·Outstanding organizational skills, written/verbal communications, and computer expertise

·Completed myriad compliance training for residential mortgage lending and appraisal reviews

·+10 years of consumer, collateral, residential mortgage and bank lending

·Validate the accuracy and completeness of loans for compliance

Professional Experience

Wells Fargo 05/2022 to Present

VA Loss Mitigation Underwriter/Analyst Remote

l Earned Level A VA underwriting designation

l Mitigated risk by creating solutions for Veteran's to remain in their home using structured payment plans

l Chosen to work a couple side projects: Lookback program and updating Wells Fargo manuals

Movement Mortgage 12/2020 to 03/2022

FHA Delegated Mortgage Underwriter Remote

l Made and issued independent and compliant loan decisions

l Stayed within SLA's as well as responded to audits and post-closing issues in a timely manner

l Reviewed resubmitted files, communicating with co-workers to complete approval stipulations

Freedom Mortgage 08/2020 to 12/2020

FHA Delegated Mortgage Underwriter Remote

l Responsible for creating conditions to lower risk on the financing for mortgage loans

l Evaluated data and entered into approriate fields in Encompass

l Completed Production reports to track my progress

Indecomm Global 03/2020 to 07/2020

Contract Conventional Mortgage Underwriter Remote

=Validate loan data used by the AUS to make a credit decision

=Verfiy all loan term obligations were considered to qualify

=Evaluate the application, supporting credit, income and asset documentation, the appraisal report and the contract of sale to uncover inconsistencies and potential misrepresentations in the loan file

NACA 03/2019 to 03/2020

Mortgage Underwriter Charlotte, NC

= Decision files for Reinvestment Act loans

= Responsible to create Change of Circumstance documents to adhere to Federal guidelines

= Began as a Closing Coordinator, promoted to Qualitative Underwriter, and again to a Credit Access Underwriter

Pacific Union Financial, LLC 08/2017 to 11/2017

Junior Underwriter Charlotte, NC

=Responsible for working closely with assigned team and underwriters to procure outstanding conditions

=Communicate with sales coordinators in areas related to training, compliance by the broker for compliance and completeness of files

=Review appropriate documentation to satisfy conditions and move loan through the pipeline efficiently from loan approval to funding

=Re-disclose as required by law

Quicken Loans 03/2015 to 07/2017

Conventional Mortgage Underwriter Charlotte, NC

·Underwrote in Credit and Collateral Departments

·Decisioned conventional loans through DU and LP AUS meeting quantity and quality standards for 8 loans per day

·Used logic and reasoning to identify strengths and weaknesses of alternative solutions to fit a client's credit profile

·Collateral Underwriter from 09/2015 to 05/2016

Towne Mortgage Co. 05/2014 to 03/2015

Sr. Loan Processor and Team Lead Assistant Troy, MI

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Bank of America (1) 2/2009 to 8/2010 and, (2) 8/2012 to 11/2013

Conventional Underwriter and Operations Specialist Troy, MI

·Underwrote Jumbos in the Platinum lending area

·Underwrote and processed Conventional, FHA, VA, and MSHDA loans

·In charge of wiring funds to title accounts at closing

Computer Skills

·Various proprietary mortgage software: Empower, CLOSR, CLUES, EDGE, Encompass, Calyx, Byte, Genesis, AMP, PeopleSoft, Sharepoint, Lotus, etc

·Microsoft Office including Outlook

Education

·Walsh College, Troy, MI

·Bachelor of Business Administration, Finance

·Macomb Community College, Warren, MI

·Associate of Applied Science, Finance

·Associate of Applied Science, Accounting

Contact this candidate