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Loan Mortgage

Location:
Dallas, TX
Posted:
May 23, 2020

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Resume:

SHANDALA L. BELL

addd87@r.postjobfree.com• Dallas, TX 75240 • 214-***-****

Mortgage Underwriter Compliance

Analytical and driven mortgage professional with over 20 years in underwriting, risk analysis and residential property. Talented in conducting research to identify federal and state laws, servicing regulations and investment guidelines to support compliance initiatives- Bank Secrecy Act, OFAC, and USA Patriot Act, CRA, Reg A, B, C, Fraud Guard and TRID

Key Expertise:

•Consumer Compliance

•Risk Analysis

•Client Relationship Management

•Underwriting

•Fair Lending Practices

•Mortgage Lending

•Asset Assessments

•Credit Worthiness Decisions

•Court Filings & Proceedings

•Credit Analyst

Mortgage Management

•Compliance Audits

Software

Underwriting:

Agent Desktop, Desktop Underwriter (DU), Encompass, Geneses, Point, MSP, Loan Prospector, Valeri, Cadence, NETO, OPUS

Mortgage:

Fitech, Mortgage Lending, LIS, Lender Live, Unified, Data Trac Los, Orijin, ifulfil, Real Servicing, Fraud Guard, MGIC, ESSENT, Radian, XDocs, Collateral Underwriter, Velocify, WEGLEY, FHA Connection, FinDOC, UDM,

Software:

Microsoft Office Suite, Adobe Acrobat Pro, Windows PC,

Career Experience

Contract Quality Control Auditor. Iconma, Troy, MI 03/2020 –Present

Responsible for performing loan reviews and validation of loan documents in Origination for FNMA, Freddie Mac, FHA, VA and USDA products. Citing deficiencies and determining the overall risk rating and findings of each loan. Performs loan analysis to ensure loans are in compliance with agency guidelines, state and federal regulations.

Remote Due Diligence Underwriter (Contract). Staffing Solutions, New York, NY 01/2020 –02/2020

Adhering to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations within the due diligence process; Multi-tasking between different due diligence projects; maintaining knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or.

Remote Underwriter 2. Sourcepoint Mortgage, Palm Bay, FL 09/2019 –12/2019

Using any and all automated or manual underwriting engines. Review, analyze and underwrite Conv. Refi mortgage loans for various lenders according to their prescribed guidelines. Thorough analysis, with high degree of attention to detail of complex loan documentation, including appraisal reports, compliance inspections, credit reports, verifications, financial statements and tax returns

Senior Underwriter. Supreme Lending, Dallas, TX 04/2017 – 05/2018

Oversaw and completed reviews for loan submissions ensuring company guidelines are followed and evaluated to maximize company profit and minimize company risk exposure. Managed the daily workflow of loan files and assignments across underwriters serving as an expert on High Net Worth, VA, Conventional, Bond cases. Drafted complex loan file decisions including reviews of loan package approvals.

Spearheaded and documented rationale for decisions on loans for credit worthiness of borrowers through a comprehensive analysis of credit report.

Mentor and train new underwriters within specified scope.

Thorough analysis, with high degree of attention to detail of complex loan documentation, including appraisal reports, compliance inspections, credit reports, verifications, financial statements and tax returns.

Senior Underwriter, Bank of Texas, Plano TX 09/2016 – 04/2017

Performed comprehensive analysis of new and renewed loan applications and accompanying financial documents to determine the potential borrower’s credit worthiness. Collaborated with relationship managers in determining level of interest for new credit opportunities. Assessed risk of fraud and prepared decisions on loan approval packages. Underwrote moderately complex conventional and VA loans applications with expert knowledge of BOK Lending, LLC guidelines and underwriting procedures. As a SME by creating loan lending solutions through proactive problem solving, loan scenarios and researching and answering underwriter questions for our business partners.

Senior Mortgage Underwriter, Supreme Lending, Dallas TX 10/2015 – 10/2016

Communicated underwriting decisions with supervisor acquiring knowledge of the business and its products for complex work assignments, conventional and VA loan files. Confirmed all loans met or exceeded banking credit quality standards with final auditing of credit file. Managed thorough evaluations of credit application to ensure loan approvals are successful without fraudulent activity.

Finalized decisions on credit application for First Mortgage loan opportunities by determining credit worthiness and risk associated with borrower credit profile

Senior Underwriter PennyMac, Fort Worth TX 06/2015 – 10/2015

Communicated underwriting decisions with supervisor acquiring knowledge of the business and its products for complex work assignments, conventional and VA loan files. Confirmed all loans met or exceeded banking credit quality standards with final auditing of credit file. Managed thorough evaluations of credit application to ensure loan approvals are successful without fraudulent activity.

Performed risk-based review on all refinance loans based on expected on performance and ability to repay, aside from GS or HUD specific requirements.

Additional Experience

FSB VA Underwriter (Team Lead) USAA, Addison TX 10/2012 – 10/2015

Mortgage Underwriter JP Morgan Chase, Irving TX 05/2010 – 10/2012

Education & License

VA LAPP/SARR Certified #02106, FHA DE CHUMS ID#JB94, Texas Notary ID#131180791



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