Mortgage Loan

LEDWINE ESONG

Phone: 240-***-****

Email: *************@*****.***

PROFILE:

Mortgage underwriter professional with 4 years hands-on experience in the Mortgage industry. Analyzed and conditioned Conventional and FHA approved and manual underwritten mortgage loans. Completed detailed analysis of personal assets, income, and liabilities for clients to secure an accurate decision to complete the loan process. Analyzed personal and business tax returns for income qualification for home mortgage loans. Underwrote purchase, new construction, manufacture homes and refinances mortgage loans. Filled in for mortgage underwriter manager when out of office.

SKILLS:

Portfolio Management

Proven analytical and organizational skills and demonstrated ability to prioritize and multi-task.

Strong analytical and decision making/problem solving skills.

Strong Microsoft Office skills, including Excel

Have a proven high level of Mortgage Underwriting Credit Skills with good commercial awareness

Credit Analysis

Good at Documentation

Housing Regulations

EXPERIENCE:

April 2018 – Present: PNC Financial Service Group Miamisburg, OH.

Job Title: Mortgage Underwriter

Reviewing and verifying loan applications and supporting documentations.

Ability to identify red flags or any fraudulent activity throughout the loan application process

Evaluate the Credit, Capacity and Collateral of borrowers on each loan application file.

Ability to review appraisal reports and forms to determine whether the market value and subject property condition is acceptable

Being able to calculate all income types including wage-earner income, rental income, and self-employed tax return.

Ensure data are in line with national and local financial rules

Ability to issue loan decision (conditional approval, suspense, denial, and approval or clear to close) on loan applications

Ability to confidently use the automated and manual underwriting systems in accordance with company’s guidelines and policies.

Research on new mortgage product and program guidelines to ensure each loan process is acceptable.

Credit & Income Analysis, Risk Assessment, Loan-to-Value Ratios (LTV), Debt-to-Income Ratios (DTI), Conventional & Government Mortgages, Loan Closing, Cash-Flow Analysis, Documentation, Account Service Excellence Lending & Underwriting Guidelines.

Underwrites first time home buyers' loan, refinancing, and modifications.

Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.

Uses background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed guidelines when warranted

March 2017 – April 2018: Homestead Financial Mortgage, Kansas City, KANSAS.

Job Title: Mortgage Underwriter

Responsible for collecting and reviewing financial information like income, assets, and debts for both self-employed and W2 applicants.

Evaluate creditworthiness and eligibility for obtaining a loan by evaluating credit history, income levels, assets, and liabilities, calculate the Debt-to-Income ratio and Loan to Value LTV ratio.

Guide clients through mortgage loan options and advise applicants on which loan type best fits their financial situations.

Prepare and submit mortgage loan applications on a timely basis

Ensures company’s regulations and site instructions are followed throughout the loan application process.

Remain the main point of contact with the borrower throughout the loan application process, funding and closing of the loan.

Attend team meetings and prepare reports on assessment findings.

Provide after work hours services to team members and applicants.

Have a proven high level of Mortgage Underwriting Credit Skills with good commercial awareness

EDUCATION

Bachelor of Technology Degree in Accounting, National Polytechnic

Contact this candidate