Mortgage Underwriter Real Estate
Resume:
PROFESSIONAL SUMMARY
Accomplished Senior Mortgage Underwriter with a proven track record
at Situs AMC, adept in application analysis and demonstrating exceptional professionalism. Skilled in regulatory compliance and analytical skills, I have efficiently managed multiple high-stakes tasks, achieving a significant improvement in loan processing coordination and prioritization.
SKILLS
Loan Processing
Coordination
• • Professionalism
• Analytical Skills Income, Asset, Credit,
Collateral Review
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• Task Prioritization • 20+ Years Sales Experience
• NMLS Registration • Customer service-focused
• Strong decision-making Interpersonal
Communication
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• Problem-solving aptitude • Team Collaboration
• Staff Management • Self Motivation
CONTACT
**************@*****.***
New Orleans, Louisiana 70130
EXPERIENCE
Senior Mortgage Underwriter
AUG 2019 - PRESENT Situs AMC, Minneapolis, Minnesota Performed manual underwriting when necessary utilizing DU and LP automated decision systems as well as AUS. Conforming, Non-Conforming loans, QM, Non-QM, and DSCR loans.
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• Documented underwriting decisions based on risk assessment and sound judgement. Analyzed financial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan.
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Reviewed and evaluated loan applications for accuracy, completeness, and compliance with established standards; verified credit histories, employment records, income sources and collateral values.
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• Maintained a thorough understanding of current state and federal laws governing residential mortgage lending.
• Managed multiple tasks while adhering to strict deadlines in a fast-paced environment. Y. LISA HILL
M A N A G I N G R E A L E S T A T E B R O K E R
Managing Real Estate Broker
AUG 2011 - DEC 2023 New Vision Homes & Properties, Gonzales, Louisiana Provided guidance and support to Realtors during complex negotiations and closings. Senior Mortgage Underwriter
JUN 2014 - AUG 2015 FBC Mortgage, Orlando, Florida Remote from home as an FHA, VA, RD, Conventional underwriter. Approved or declined loan applications within delegated authority limits after analyzing each file thoroughly for approval criteria.
•
• Participated in regular audits conducted by regulatory agencies such as FNMA, FHLMC, HUD, VA, CFPB.
• Ensured all loans met investor guidelines prior to funding or purchase by investors.
• Conducted detailed analysis of complex mortgage loans in accordance with Fannie Mae and Freddie Mac guidelines.
• Determined credit worthiness and risk associated with borrower based on credit profile.
• Mentored new Realtors on the complexities of commercial real estate transactions.
• Led weekly meetings with staff members to discuss performance goals and objectives.
• Cultivated strong relationships with clients to ensure successful transactions.
• Hired Realtors and Developed training programs on industry laws and regulations.
• Supervised Realtor and staff responsible for upkeep of properties owned by the firm's clients.
• Analyzed market trends to provide accurate pricing information to clients. Ensured compliance with local, state, and federal regulations related to commercial and residential real estate transactions.
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• Negotiated contracts between buyers, sellers, landlords, tenants, investors, lenders, appraisers.
• Demonstrated expertise in problem solving, financial analysis, negotiation techniques, and client relations. Reviewed and executed purchase agreements prior to closing ensuring accuracy of documents according to legal guidelines.
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Identified areas of improvement within the company's operations processes and made recommendations accordingly.
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• Assisted Realtors in developing marketing strategies.
• Managed a team of 8 Realtors while overseeing daily operations of the office.
• Developed and implemented policies and procedures for managing real estate transactions. Acted as intermediary in negotiations between buyers and sellers over property prices and settlement details during closing of sales.
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• Compared property with similar properties that had recently sold to determine its competitive market price.
• Advised clients on market trends and potential investments in real estate.
• Appraised property values, assessed income potential when relevant.
• Generated lists of properties for sale, locations, descriptions, and available financing options, used computers.
• Managed and operated real estate offices, handling associated business details.
• Sold, for fee, real estate owned by others.
• Conducted detailed analysis of complex mortgage loans in accordance with Fannie Mae and Freddie Mac guidelines. Approved loans within specified limits and referred loan applications outside those limits to management for approval.
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Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information.
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Senior Mortgage Underwriter
AUG 2012 - JUN 2014 Wells Fargo, Lake Mary, Florida Tested to obtain my DE/LAPP/SAR Certifications and underwrote FHA and VA loans and Refi's. Reviewed credit, assets, income and collateral. Followed lender and government guidelines to determine approval eligibility. Was on target to obtain designations and needed 5 more cases.
• Updated credit and loan files.
Reviewed and evaluated loan applications for accuracy, completeness, and compliance with established standards; verified credit histories, employment records, income sources and collateral values.
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Collaborated with internal departments such as Processing, Funding and Closing to ensure a smooth transaction process from start to finish.
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• Utilized automated underwriting systems such as DU and LP to accurately assess risk associated with loans. EDUCATION
Completed coursework towards Obtained a Bachelor of Science Degree in Business Administration DEC 2017 Seminole State College, Sanford, Florida AA Degree in General Studies
DEC 2013 Seminole State College, Sanford, Florida CERTIFICATIONS
• Florida and Louisiana Mortgage Loan Originator • Florida and Louisiana Real Estate Broker License REFERENCES
References available upon request
VOLUNTEER EXPERIENCE
Manna Giver
AUG 2019 - PRESENT St. Vincent De Paul, Baton Rouge, Louisiana As a Manna Giver once a month I volunteer to shop and pay for groceries, cook the meal and transport it to the homeless shelter. Then I serve up to 40 people at the St. Vincent de Paul Sweet Dreams Shelter and the Expansion Shelter.
COMMUNITY SERVICE
Football Camp Coordinator
JUL 2022 - PRESENT Hill Sports Management, Baton Rouge, Louisiana I'm a proud football camp coordinator. Every July we partner with non profits and businesses to support, build and teach sportsmanship and football skills for free to community kids from ages 5-18. Created an environment that encouraged healthy social interaction among campers while promoting self-confidence and independence.
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Participated in community outreach initiatives by attending local events or speaking at schools about the benefits of camping experiences.
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• Organized and managed camp activities, ensuring safety of all participants.
• Facilitated communication between staff members regarding scheduling changes or other issues.
• Served as point of contact between managerial staff and leaders of recreational and entertainment activities. AWARDS
• Top Producing Realtor - Diamond Club - Diamond Realty
• Presidents's Club Award - RE/MAX Real Estate Group
• FBC Mortgage Top Underwriter Performance
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