Program Administrator Qualified Applicants

Elizabeth Allison

*** * *** **** *****, Glendora CA 91741 *******@*****.***. C. 909-***-****

Skills:

Automated Underwriting System (AUS) DU LP

FHA CHUMS, NMLS

Encompass, Empower, AXIS, Cash

Microsoft

PROFESSIONAL EXPERIENCE

Habitat for Humanity 11/2003 to Present Program Administrator

Completed the intake, processing, and underwriting of applications from community members

Qualified applicants utilizing public and private grant programs

Manual assessment for income-assets-based lending. When applicable

Communicate with the repair team and applicants to provide updates and gather additional information as needed.

overseeing the planning, implementation, and tracking of various programs and projects within the organization

developing program objectives, timelines, and deliverables

Monitor program progress and adjust as necessary to ensure successful completion.

Neighborhood Assistance Corporation of America 2/2023 11/2023

HUD-certified housing counselor

Provide a clear direction for a path towards their homeownership goals and improve financial management skills.

Document files with written narratives and identify action items for the Member to complete after each counseling session.

Review payment history, income, liabilities, assets, and other criteria to determine eligibility for the program, readiness for home ownership, and mortgage payment affordability

Address NACA Qualification conditions (if any) within 48 hours.

Provide information on alternative mortgage products and options for the Member to make a well-informed home purchase and mortgage decision.

Texana Bank Texarkana, TX 06/2021 to 6/2022

Sr Underwriter

Made careful determinations based on skilled analyses of submitted

documentation covering credit histories, employment records, and current

financial status.

Underwrite concurrent close with piggyback to ensure salability

Completed full analysis for construction loans 2 x close for both initial and

permanent financing.

Collateral review includes SFR, Manufactured homes, updated on new

Condo review process.

Reviewed team underwriting decisions to identify incorrect actions and

reverse previous decisions when merited.

Worked with processing team members to communicate errors and obtain

missing information for current applications

Ladera Lake Forest, CA 01/2021 to 06/2021

SR. Underwriter

Evaluated debt ratio, loan-to-value ratios, credit scores, and property valuations

when making underwriting decisions.

Insured investor overlays were met utilizing All Regs FNMA/FHLMC/ HUD

matrix for most recent events.

Completed condo review's full/ limited review

Reviewed and cleared third-party reporting

Review post-closing mortgages and respond to investors as needed

Supreme Lending Dallas, Texas 07/2020 to 01/2021

SR. Underwriter

Regional purchases with MI and construction to permanent financing

FNMA Home Ready FHLMC Home Possible reviewed and determined if

borrowers qualified

investor loans multi-packs reviewed structured for concurrent closings

Thorough review and calculation of wage earner, self-employed, 1120, 1120's

schedules, asset-based income, and fixed income

Cleared third-party reports Fraud Guard – Transcripts – Collateral

Loan Depot / Lake Forest CA 08/2019 to 07/2020

SR Underwriter

Underwrite daily work assignments to ensure Credit, income Assets, and collateral were sufficient and within guidelines

Thorough knowledge of self-employed C 1120 / 1120S 1065. complete asset/liquidity.

VA IRRL Validation and approval

Cleared condition for final within the same day

Answer the UW helpline when needed

Assist with pipeline backup when necessary

Ran and cleared third-party reports

Loan Pal / Paramount, Irvine CA (semi-remote)

August 2016 to 08/20/19

SR Underwriter

Complete a thorough analysis of the loan file to determine compliance with company and investor guidelines. Frequently using All-Regs Library.

Review and analyze financial statements, tax returns, bank statements, and other sources of income.

Loan types included FNMA, FHLMC, High balance, Texas, 50 (a) (6,), and MI loans.

Ability to accurately analyze tax returns and all schedules to determine income.

Completed collateral risk assessment, reviewed and addressed scorecards ULDD for FNMA and FHLMC.

Review and clear third-party reports.

Oversee the loan process to ensure timelines were met and Closing Disclosures were sent out to meet TRID regulations

Manufactured home and IRRL Purchase Money

Mr. Cooper/Nationstar, Irvine CA (semi-remote)

Mortgage Underwriter

October 2014 to August 2016

Review credit reports, financial statements, applicable ratios for DTI and CLTV/LTV, and income documents including personal and business tax returns, appraisals, and title reports, and evaluate transactions to ensure accuracy and completeness.

Responsible for reviewing, analyzing, underwriting, and approving, loans within the company and investor guidelines.

Full credit and collateral review of Conforming, Non-Conforming, High Balance, HARP, and Open Access loans.

Review and clear loan conditions.

Contact this candidate