Underwriter

Jaime Perez

Anaheim, California 714-***-**** *******@**********.***

Professional Summary

Highly experienced Mortgage Underwriter with 20 years of expertise in analyzing and assessing loan applications, financial documents, and credit reports to determine creditworthiness and mitigate risk. Skilled in residential underwriting, with a deep understanding of industry regulations and guidelines (e.g., FNMA, FHLMC, FHA, NQM ). Proven track record of maintaining high accuracy and compliance standards, and adept at working with a variety of team members, including loan officers, brokers, and processors . Committed to delivering efficient underwriting solutions while ensuring a positive customer experience. Core Competencies

● Mortgage Loan Underwriting (Conventional, FHA, NQM, Jumbo)

● Risk Assessment & Credit Analysis

● Compliance & Regulatory Knowledge (FNMA, FHLMC, HUD, CFPB)

● Financial Statement Analysis

● Loan Documentation Review

● Appraisal Review

● Automated Underwriting Systems (AUS)

● Detail-Oriented & Deadline-Driven

● Customer Service & Relationship Management

● Team Leadership & Training

Professional Experience

Senior Mortgage Underwriter

Nations Lending Corp.– Independence, OH 2021-2023

● Perform in-depth analysis of mortgage applications, including reviewing credit history, financial statements, income documentation, and property appraisals to determine eligibility.

● Assess risk and make loan approval/denial recommendations, ensuring compliance with industry guidelines and internal policies.

● Review conditions to clear loans for funding, collaborating with processors, loan officers, and branch managers to obtain required documentation.

● Utilize Automated Underwriting Systems (e.g., DU, LP) to streamline the approval process and identify exceptions requiring manual underwriting.

● Consistently meet and exceed production goals while maintaining quality and accuracy standards.

● Mentor and train junior underwriters on best practices, guidelines, and underwriting policies.

Senior Mortgage Underwriter

Sovereign Lending Group– Costa Mesa, CA. 2020 – 2021

● Analyzed loan applications for conventional, FHA, VA IRRL, and Conventional loans, ensuring compliance with underwriting guidelines.

● Verified accuracy and completeness of loan documentation, including income verification, credit reports, and property valuations.

● Communicated with loan officers and processors to clarify loan conditions and provide guidance on documentation requirements.

● Managed a pipeline of 30-40 loans per month, consistently achieving service-level agreements for turnaround times.

● Participated in quality control reviews, identifying areas for process improvement and recommending solutions.

Mortgage Underwriter

Owning Inc – Orange, CA. 2019 –2020

● Evaluated loan applications for owner occupied and investment, including jumbo loans and complex financial scenarios.

● Worked closely with loan officers to structure loan conditions that aligned with borrower qualifications and investor guidelines.

● Assisted in the launch of a new loan product, providing feedback on underwriting requirements and helping to establish best practices. FHA and Conventional Underwriter

Impac Mortgage – Orange,CA. 2016 – 2018

● Supported senior underwriters by collecting and reviewing financial documentation, appraisals, and credit reports for loan applications.

● Assisted in determining borrower eligibility and underwriting requirements based on guidelines from FNMA, FHLMC, FHA, and VA.

● Developed strong working knowledge of underwriting policies, loan programs, and risk mitigation strategies.

● Gained expertise in using Automated Underwriting Systems and manual underwriting practices.

Reverse Mortgage Underwriting Supervisor

American Advisors Group – Orange,CA [2015– 2016

● Led a team of underwriters to process and evaluate loan applications, ensuring adherence to company policies and industry standards.

● Implemented process improvements that reduced underwriting turnaround time by 20%, enhancing overall loan processing efficiency.

● Conducted in-depth risk assessments on high-value loans and provided detailed recommendations to senior management.

● Partnered with compliance officers to ensure all loan files met federal and state regulatory requirements.

● Developed and delivered training programs to improve team performance and keep underwriters updated on policy changes and market trends. Education

Los Angeles Southwest College, Los Anageles, California Technical Skills

● Automated Underwriting Systems (Desktop Underwriter, Loan Prospector)

● Loan Origination Systems (LOS)

● Microsoft Office Suite (Excel, Word, Outlook)

● Encompass, Empower, Calyx Point

Certifications & Training

● FHA Direct Endorsement (DE) Underwriter

● VA SAR Training

● Continuing education in regulatory changes and industry trends References Available Upon Request

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