Customer Service Real Estate
Resume:
ad5rzb@r.postjobfree.com
Fort Mill, South Carolina 29715
WWW: Bold Profile
Highlights
NC Bond (Certified);FHA; USDA;
Conventional; VA LAPP/SAR
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Encompass; FHA Connection;
Weblgy; Fraud Guard; DU/LP;
GUS
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• Excellent Communication Skills
• Sharp Problem Solver
• Strong Organizational Skills
• Ability to Achieve Set Goals
• Multi-Family (commercial )
• Quality Control
• Production Monitoring
Detailed Oriented Senior Mortgage Underwriter offering 23-year background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional underwriter who is comfortable working in high stress environment while delivering excellent customer service. Proficient with Encompass.
Small Business Administration - Loan Specialist Underwriter Fort Mill, SC
02/2023 - Current
ALCOVA Mortgage - Mortgage Underwriting Team Lead
Roanoke, VA
04/2021 - 11/2023
Cindy Lore
Summary
Experience
Provided leadership and guidance to team members, ensuring that tasks were completed on time and to a high standard.
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Conducted performance appraisals for team members, providing feedback and identifying areas of improvement.
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Trained new staff in relevant processes and procedures to adhere to the Standard of Works.
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• Resolved escalated customer complaints or queries promptly and efficiently. Monitored team performance against targets, taking corrective action where necessary.
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Identified opportunities for process improvements, implementing changes when required.
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• QC Teams members files for accuracy
Reviewed loan applications and credit information to determine potential customers' eligibility for loans.
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• Verified all documents provided by applicants for accuracy and completeness.
• Analyzed financial statements of clients to assess their ability to repay loans. Ensured that all loan processing activities were in compliance with relevant laws and regulations.
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Coordinated with other departments within the organization regarding loan applications, approvals, and rejections.
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• Organize and hold weekly underwriting meetings
• Approve Vacation Time and Time cards.
• Second Sign all loans escalated for management review.
• Mentor underwriters to think outside of the box on more difficult loans. Analyze and calculate income for Conventional,FHA,USDA, VA loans And North Carolina Housing.
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• Underwrite VA; FHA Conventional and USDA Loans; review the COE for Eligibility Interview Availability Resume Received
Victoria Mortgage/ Genworth Financial Inc - Sr Mortgage Underwriter Manager Raleigh, NC
08/2016 - 02/2021
Accenture, Inc./Bank Of America - Sr Mortgage Underwriter (SASE 3) Charlotte, NC
02/2014 - 08/2016
Wells Fargo - Sr Mortgage Under III
Charlotte, NC
and correct funding fee ; if the borrower is exempt for funding fee validate with the COE.
Review Nearest living relative form and update Encompass with the family members name, address and phone number. (VA Loans Only)
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Analyze the borrowers credit report; match the debts to the 1003; along with any letters of explanation for derogatory credit, bankruptcy's, foreclosures or short sales.
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Review bank statements for sufficient assets to close; Large Deposits and any additional debts.
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Completely review all docs and underwrite the FHA loan; confirm Case Query; Mortgage Credit Rejects and cavirs number.
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Reviews all policies, procedures and underwriting practices related to the loan program and validate the loan meets all guidelines prior to the final underwriting decision.
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• Underwrite Multi-Family Homes with less than 4 units. Hold weekly underwriting meeting to update everyone on current guidelines; new procedures and new discovery's any of the underwriters have experienced that week.
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• Hire new underwriters and provide training where needed. Purchase (95%) and Refi's Conventional Fannie/Freddie and FHA with investor overlays.
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• Appraisal Review and condition according to UCDP findings. Calculate income for W2/Self Employed borrowers K1's 1120's/1065 and Schedule E.
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• Analyze and validate all pages of assets, Income and Credit Report.
• Condo review Full and Limited review.
• Issue MI on any loan over 80% LTV with correct MI coverage. Reviews all policies, procedures and practices related to the loan program and validate the loan meets all guidelines prior to the final underwriting decision.
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As a SME I would review other underwriter's files by checking to making sure the loan had all of the conditions to meet in house overlays and investor Guidelines; Then I would send the underwriter an email with my findings.
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• Calculate income for W2/Self-Employed 1120s/1065 and Schedule E. Review /verify assets; Condition for source of large deposits and sufficient cash to close.
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• Complete the conditional approval with all needed remaining conditions.
• Condo review Full and Limited review
• Appraisal review and condition based on UCDP findings
• Issue the clear to close with all conditions needed for the closer 09/2009 - 11/2015
Refi's
JPMorgan Chase, JPMorgan Chase & Co - Sr Mortgage Underwriter Charlotte, NC
01/2009 - 10/2009
Reviewed; analyzed and calculated income, Reviewed asset documentation for undisclosed debts and large deposits
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Completed form 1084/91 for all self employed borrowers 1120's; 1065 ; Sch C and K1's
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Reviews all policies, procedures and practices related to the loan program and validate the loan meets all guidelines prior to the final underwriting decision.
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• Handle confidential material in a professional/ethical manner. Worked with company systems such as LIS/LPS/LIV, DU/LP and sharepoint; FHA connection; Weblgy; Fraud Guard (production tracking tool).
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Diligently completed all assigned tasks by manager, working overtime as needed to support management.
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• **First 2 years at Well Fargo I was a QC Auditor for Conventional and FHA Loans.**
**Assisted in writhing the Standard of Works for the QC Underwriting role for the department**
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• Calculate income ( W2; Sch C; E ; 1065; 1120's)
• Review Appraisal
• Review Assets for cash to close and large deposits
• Issue loan approval with conditions.
• Evaluated loan applications and creditworthiness of potential borrowers. Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
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Reviewed appraisals to ensure accuracy and compliance with company standards.
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Conducted preliminary analysis of loan products and services offered by the company.
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• Prepared detailed reports on underwriting findings and recommendations.
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