PATRICE TAMUKUM

MORTGAGE UNDERWRITER

Phone: 202-***-**** Email: adm2re@r.postjobfree.com, adm2re@r.postjobfree.com

SUMMARY

Underwriter with five years experience in underwriting home equity lines and loans, secured and unsecured collateral loans, conventional mortgages and more. Previous experience involves a Masters Degree, multiple levels of risk management, detail appraisals through actively investing in real estate for the past 8 years with great understanding for the markets.

CORE COMPETENCIES

Great communicator, passion for what I do, team player, lots of positive energy/analytical skills, excel, outlook, google meet, zoom. Proficient in encompass, Loan Processor, DU, LOS, calculating DTI, LTV, monthly income/self-employment income (loan beam), cash deposits, credit analysis, collateral appraisals, Red flags, VOE and capacity to pay. In depth understanding of Fannie Mae and Freddie Mac guidelines with current Covid-19 updates.

PROFESSIONAL EXPERIENCE

MORTGAGE UNDERWRITER - PACIFIC UNION FINANCIAL LLC – SEPTEMBER 2017 – MARCH 2021

Key Responsibilities

Underwrite real estate loans to analyze Capacity, Capital, Collateral, Credit, Character, income verification and Fraud.

Examine loan documents for accuracy and completeness while working with loan originators and staff to secure all required documentation to render a sound decision.

Applied knowledge of underwriting and regulatory compliance requirements.

Reviewed Appraisals, tax returns, qualifying income to ensure loans meet all program and product specifications.

Communicate loan decisions and deficiencies with clarity.

Applying standard company, investor and insurer financial solutions to residential loans to reduce risk and minimize company loss.

MORTGAGE UNDERWRITER - BOGMAN LOANS INC – JUNE 2015 – JULY 2017

Key Responsibilities

Review of HUD/ 1003, Calculating DTI, LTV, CLTV, HLTV to verify client loan eligibility.

Review of Freddie Mac and Fannie Mae guidelines for compliance.

Review docs for red flags.

Full file reviews for credit analysis, cash reserves, collateral, capacity to pay.

What I bring to the table…patience, passion, due diligence, fast learner, team player, years of experience as a real estate investor/ underwriter giving me a unique and sound approach to mitigating risk and ensuring satisfaction and profitability for both clients and investors.