Mortgage Loan Assistant
Resume:
ROXANNA SPARKS
Township of Liberty, OH *****
*******.*.******@*****.***
Competent mortgage services professional with over 30 years of experience in the credit and mortgage loan environments and record of dedication and versatility seeks a challenging position in which extensive skills and experience can enhance the bottom-line of a dynamic, progressive team, ultimately qualifying for advancement and increased responsibility. SPECIALIZE IN VA LOANS
FHA (CHUMS-expired) and VA (SARS and LAPP) certified. Capable of executing financial documents in compliance with company policies and industry guidelines
Demonstrate analytical and information verification skills
Accurate and detail-oriented
Projects a professional positive image
Enthusiastic, confident, self-motivated and energetic
Versatile individual geared for a position requiring high level of proficiency
**NOTE: Have only underwritten VA loans for the past 10 years as these are the type of loans in which I excel in and in which the employers agreed.
Authorized to work in the US for any employer
Work Experience
Senior SAR/DE Underwriter-Remote
Veterans United Home Loans - Columbia, MO
February 2017 to March 2023
Underwrote 100% VA loans which include DU and LP refer, IRRRL’s, VA New Construction, VA Purchase, VA Cash-Out, VA Manufactured Homes which included Build on Own Land transactions
Assigned as designated VA Underwriter for all newly hired Account Executives to coach and answer all scenario questions
Had daily contact with Processors, Account Executives, Account Managers and Appraisers
Senior SAR/DE Underwriter-Remote
NFM Lending - Linthicum, MD
August 2016 to January 2017
Underwrote 100% VA loans which include DU and LP refer, IRRRL’s, VA New Construction, VA Purchase, VA Cash-Out, VA Manufactured Homes which includes Build on Own Land transactions
Had daily contact with Processors, Account Executives, Account Managers and Appraisers
Senior SAR/DE Underwriter-Remote
Endeavor America - Walnut Creek, CA
November 2013 to August 2016
Underwrite 100% VA loans which include DU and LP refer, IRRRL’s, VA New Construction, VA Purchase, VA Cash-Out, VA Manufactured Homes which includes Build on Own Land transactions
Participant in VA Beta Testing for new underwriting system Assigned as designated VA Underwriter for all newly hired Account Executives to coach and answer all scenario questions
Had daily contact with Brokers, Processors, Account Executives, Account Managers and appraisers Consumer Loan Underwriter 3
Wells Fargo Home Mortgage - West Chester, OH
January 2009 to October 2013
Underwrote FHA, VA, New Construction and Conventional loan transactions Ability to decline loans without management approval Ability to perform 2 nd level review on loans that are being recommended for decline by other underwriters
Participated in monthly underwriting calls in which I discussed current trends and how to properly handle any changes that arise
Had daily contact with Loan officers and Processors regarding their loans and aid in resolving any issues that may arise
Note: Satellite office in West Chester, OH closed October 2013 Education
High school diploma
Hamilton High School - Hamilton, OH
June 1980 to June 1982
Skills
• Fair Housing Regulations
• Quality Control
• Underwriting
• Credit Analysis
• Management
• Banking
• Analysis Skills
• Financial Analysis
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