Senior Underwriter III

NATHAN SEA II

Fremont, CA ***** 502-***-**** **********@*****.***

SENIOR UNDERWRITER III

Experienced analytical and detail-oriented financial industry professional with a vast knowledge in managing regulatory compliance, investigating loans and banking activities. Excellent analytical, interpersonal, written, and oral communication skills. Detail minded with intense organizational and follow through skills. Proficient in MS Office, including EXCEL and has strong computer skills. Experienced completing Manual Underwrites, Pre-Funding Reviews, ARM Audits, Quality Control Audits, Early Payment Default Reviews, HMDA Audits, Legal Compliance Reviews, Servicing Audits, DU, LP, FNMA, FHLMC Guidelines, FHA, VA, GNMA Guidelines, Loan Modifications (HAMP program).

EXPERIENCE

President of Operations & Marketing Big Dreams Properties Jan 2016-Present Reason for leaving: Business has been heavily impacted by covid-19 and my passion is underwriting so I want to get back in the business.

• Purchased, rehabbed, and then re-sold over $5 million worth of residential properties in the last 3 years

Senior Underwriter III Bank of the West (Contractor) Jan 2016-Dec 2016 San Ramon CA

Reason for leaving: This was the best job and workplace that I was ever a part of, but I wanted to take the chance of starting my own real estate investing company.

• Performed front-end underwriting completing 50-60 loans a month

• Underwrite loans for compliance with investor and/or agency guidelines

• Submit loans through an automated underwriting system for a decision

• Analyze loan packages to deliver valid credit decisions within a 48-hour turnaround

• Perform timely reviews of stipulations/conditions submitted

• Approve, suspend, or deny loans, present appropriate loans daily to loan committee

• Gathered information from multiple sources according to company guidelines, to perform underwriting analysis. FHA, VA, and Jumbo loans.

• Accurately calculate income and qualify assets to be used for loan closing and reserves.

• Provide stellar customer service to all staff by effectively explaining credit decisions Conventional Underwriter Procyon Capital, LLC Sep 2012-Jan 2016 Remote Reason for leaving: Relocated to California and took the bank of the west job.

• Perform front-end underwriting with a $650,000 signing authority

• Underwrite loans for compliance with investor and/or agency guidelines

• Submit loans through an automated underwriting system for a decision

• Analyze loan packages to deliver valid credit decisions in a timely manner Page 2

EXPERIENCE

SKILLS & ABILITIES

• Communication skills, both written and verbal

• Compliance Monitoring, Customer Service

• Conforming & Nonconforming Loans

• Training, Staff Development and Team Building

• Lending & Underwriting Guidelines

• Loan Closing, Funding & Documentation

• Acquisitions, Project Management

• Credit & Income Analysis, Cash Flow Analysis

• Operational Risk, Risk Management, Audit

• Conventional & Government Mortgages

• Foreclosure Review, Policy Development

• SCRA HMDA and RESPA Training

• Global Market Experience

Education/Certification

National Association of Mortgage Underwriters Certified Master Mortgage Underwriter Fern Creek High School Louisville KY Social Media Marketing Shaw Academy Computer Information Systems Eastern Kentucky University Conventional Underwriter TATA Consultancy Services Oct 2011-Sep 2012 Milford, Ohio

Reason for leaving: Took a remote position working with Procyon Capital Underwriter III Dividends Mortgage Oct 2010-Oct 2011 Louisville, Ky Reason for leaving: Relocated and took the job at TATA taking on more responsibility.

• Perform front-end underwriting with a $650,000 signing authority

• Underwrite loans for compliance with investor and/or agency guidelines

• Submit loans through an automated underwriting system for a decision

• Participated in client meetings, due diligence visits, and other client interactions to gain exposure to key executives and senior bankers

• Assigned to manually underwrite residential A paper loans VP of Operations & Production Manager Buds Produce Feb 2000-Oct 2010 Elizabethtown, Ky

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