Quality Assurance Tax Returns
Resume:
Platon Huzyk
Santa Ana, Ca
******@********.***
- Extensive experience in all facets of retail and wholesale lending
- Determined credit risks in a timely manner, using common sense, strong analytical and mathematical skills
- Manual and automated underwriting using Desktop Underwriter and Loan Prospector
- Proven ability to successfully lead others in daily activities and special projects
- Created a nationwide Broker Network for Quality Mortgage over of 2,000 brokers, resulting in 15 million dollars in
Gross income within 2 years.
EXPERIENCE
Class Act Tax and Accounting 06/2022 to Present
Loan Consultant/Underwriter
- Credit Analysis
- Underwriting
- Due Diligence
- Portfolio Review
- Pool Bids
- Loan Modifications
- Loan Pre Approvals
Guaranteed Rate
09/2021-02/2022
Quality Control Analyst
- Review all origination and closing documentation for completeness, accuracy and compliance
- Recalculate income, ratios and assets to confirm accuracy and sufficiency
- Perform cash flow analysis of self-employed borrowers’ personal and business tax returns
- Report loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
- Condition for additional documentation as needed to cure deficiencies
- Performed quality assurance review of staff underwriters’ completed loan audits
- Review appraisal to meet investor guidelines.
- Review all Agency and Non Qualitative (non QM) loan files
Excelerate Capital
09/2019 – 06/2021
Prefunding Underwriter
- Review all origination and closing documentation for completeness, accuracy and compliance
- Recalculate income, ratios and assets to confirm accuracy and sufficiency
- Perform cash flow analysis of self-employed borrowers’ personal and business tax returns
- Report loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
- Condition for additional documentation as needed to cure deficiencies
- Performed quality assurance review of staff underwriters’ completed loan audits
- Review appraisal to meet investor guidelines.
- Review all Agency and Non Qualitative (non QM) loan files
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Opus Capital Marketing Consultants. LLC
05/2019 – 09/2019
Underwriter (Temp Contract)
- Analyzed pre-funding conduit and delegated post-closing jumbo loans to confirm lender’s adherence to guidelines
- Audited FHA and conventional loans involved in litigation, repurchase and/or regulatory agency review
- Reviewed all origination and closing documentation for completeness, accuracy and compliance
- Recalculated income, ratios and assets to confirm accuracy and sufficiency
- Performed cash flow analysis of self-employed borrowers’ personal and business tax returns
- Reported loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
- Conditioned for additional documentation as needed to cure deficiencies
- Performed TRID analysis
Edge Mortgage Advisory Company
4/2015 – 1/2018
Underwriter
- Analyzed pre-funding conduit and delegated post-closing jumbo loans to confirm lender’s adherence to guidelines
- Audited FHA and conventional loans involved in litigation, repurchase and/or regulatory agency review
- Reviewed all origination and closing documentation for completeness, accuracy and compliance
- Recalculated income, ratios and assets to confirm accuracy and sufficiency
- Performed cash flow analysis of self-employed borrowers’ personal and business tax returns
- Reported loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
- Conditioned for additional documentation as needed to cure deficiencies
- Performed quality assurance review of staff underwriters’ completed loan audits
- Trained underwriters using one on one direction and guidance
Carrington Mortgage
5/2012 – 10/2013
Underwriter
- Analyzed mortgage applications, credit and financial documentation to determine if borrowers were creditworthy
- Performed manual cash flow analysis of self-employed borrowers’ tax returns
- Determined if the proposed loans would provide a tangible benefit to borrowers
- Underwrote and audited for HAMP, Non-HAMP, and FHA programs for eligibility for loan modification.
- Ensured that credit approvals and loan documentation satisfied company policies, program and investor guidelines
- Successfully provided training for all new underwriting hires, ensuring compliance to all policy/procedures, and
prepared and maintained performance reports for all associates.
Promontory Risk Review Temp Randstand
9/2011-5/2012
Complaint Analyst
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Analyzed loans suspected of being subject to fraudulent manipulation of income and pricing
Reviewed all origination and closing documentation to determine the accuracy of the underwriter’s decisions
Calculated income, uncontrolled cash out and housing and debt ratios to ensure the accuracy of the calculations
Determined if borrowers would qualify for the original loan based on re-calculated income from tax transcripts
Determined if borrowers should have received prime interest rates rather than the given sub-prime rates
Determined if borrowers would have benefited from the finance of one loan opposed to the 2nd or 3rd liens
Assisted in team training using one on one direction and guidance
US BANK Temp through Accountemps
7/2011-8/2011
Sr. Underwriter II
- Audited modifications to ensure adherence to bank policies and HAMP, HAUP and FDIC modification guidelines
- Calculated borrowers’ income, expenses and ratios to confirm accuracy of underwriters’ calculations
- Reviewed financial and collateral documentation to ensure all are dated within the required time period
- Analyzed declined loan modification requests to confirm that the denial justifications were valid
- Discussed loan deficiencies with underwriters to point out all required corrections and adjustments
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Bank of America Temp Assignment
9/2010-1/2011
Government Services Underwriter
- Analyzed and reconciled bank data provided by the examiner and business information systems team
- Examined deposits to identify sensitive and potentially high uninsured deposit accounts
- Led claims agents in deposit insurance determinations
- Evaluated and manipulated data to ensure the accuracy of determinations and the integrity of information reported
- Professionally communicated the results of file reviews both verbally and in written form to internal and external
customers.
- Developed training tools and trained peers to extract and analyze data needed to prepare management reports
Fieldstone Mortgage
10/2002-10/2010
Underwriter III/Team Manager
- Fully underwrote and approved all new incoming loans.
- Signing authority to $650,000.00
- Reviewed all appraisals and incoming conditions and rewrites, title reports and payoffs.
- Averaged 30 closed loans each month.
- Responded to client inquires and maintained contact with clients and lenders
Bank of America
3/2001 – 10/2002
Processor
- Analyzed mortgage applications, credit and financial documentation to determine credit approval
- Processed all incoming loans and set up for incoming conditions.
- Ensured credit approval and loan documentation satisfied company policies, program and regulatory guidelines
- Called out all payoffs/conditions with borrower prior to release of all funds.
EDUCATION
California State Polytechnic University, Pomona, Ca
Bachelor of Science, Communication Arts.
Saddleback back Junior College
Associate in Arts.
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