SBA Underwriter

Diana R. Sellers

Glendale, CA ***** 818-***-**** ********.*****@*****.***

MORTGAGE UNDERWRITER

Conventional, FHA, Jumbo, Non-QM & SBA Loans

Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Commended for timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.

Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Well-versed in federal regulations and regulatory agencies including USDA, FHA, FNMA, FHLMC, SBA, QC and Risk Management. SKILLS

Quality Control & Risk Management Lending & Underwriting Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming

& Non-conforming loans ARMS Loan Closing, Funding & Documentation Account Service Excellence. Risk management duties involve identifying, evaluating, and mitigating potential negative financial outcomes from operational or investment decisions. Risk managers in banking may specialize in areas such as credit risk or transaction fraud risk. Their responsibilities may include:

5+ years of direct experience conducting and/or leading audits in various departments of large banking institutions, including, but not limited to, bank operations, consumer/commercial lending, capital and financial risk management, regulatory reporting, finance, AML/BSA, fraud, and risk management. Advanced knowledge of relevant banking regulatory rules and frameworks. Professional Underwriting Experience

Served as the primary point of contact for the scenario desk addressing inquiries, and interpretation of agency guidelines. Mentored Loan Officers and Processors. Advised and trained new hires and all staff to keep up to date with Lender guidelines and policies. Analyzed complex tax returns, financial statements, including business, corporate and partnership returns. Suggested counter offers for compliance and acceptability. DE FHA CHUMS ID - since 2001

Operating Systems

ENCOMPASS, DU, LP, GUS, DO

Diana R. Sellers

Glendale, CA 91204 818-***-**** ********.*****@*****.*** Underwriter Experience References

2022-2024 Redstone Mortgage LLC, Century City, CA Escalation Manager PERM/CLOSED 2022-2021 CMG Mortgage, Redwood, CA DE Underwriter Contract 2019-2021 Better Mortgage, Los Angeles, CA DE Underwriter Perm/Closed 2018-2019 Sierra Pacific Mortgage, Dallas, TX DE Underwriter Contract 2015-2018 American Interbank Mortgage, Irvine, CA DE Underwriter Perm/Closed 2015-2015 Prospect Mortgage, Sherman Oaks, CA DE Underwriter Contract 2014-2014 Nation Star Mortgage, Dallas, TX DE Underwriter Ill Contract 2013-2014 Retreat Capital, Dallas, TX Underwriter Contract 2013-2013 Platinum Home Mortgage, Carson, CA Senior Underwriter Contract 2012-2013 Mortgage Capital Associates, Los Angeles, CA Underwriter Contract 2011-2012 One United Bank, Los Angeles, CA Compliance U/W Contract 2008-2010 FNMA, Pasadena, CA QC Underwriter Contract