Damien NJILLA NGU

Mortgage Underwriter

Hyattsville, MD 20785

adm8qp@r.postjobfree.com

+1-202-***-****

A due diligence & Non-QM underwriter with analytical thinking of 4 years experience in mortgage underwriting. I possess high attention to details, excellent Communication, Research Coordination and file Conditioning. I am a deadline-driven individual, fast learner and I use my analytical skills to make informed decisions. I possess good math and statistical skills. Underwritten residential first mortgage files received from mortgage loan originators and/or mortgage brokers to ensure that all credit and compliance documents are included for final review and approval. Currently preparing to get DE/SAR, LAPP/CHUMS.

Authorized to work in the US for any employer

Work Experience

Due Diligence & Non QM underwriter

Union Home Mortgage - Strongsville, OH

January 2021 to May 2021

• Due diligence mortgage underwriter with great skills in loan comparison, verification, determination and documentation of loan terms and characteristics.

• Good Understanding of TRID guidelines

• I possess in depth knowledge of FNMA, FHLMC, FHA, and VA product guidelines

• LOS experience with Eclass and Encompass.

• Good knowledge in Title & Appraisal review with extensive knowledge on collateral underwriting.

• Good Understanding of DSCR( debt service coverage ratio) for Non QM mortgages

• Recalculation of Income manually for W2, self employed borrowers (schedule K-1, C and E ).

• Communication, Research, Coordinate and Condition for required terms.

• Thorough Risk assessment of loan files while manually underwriting.

• I have demonstrated proper understanding of LOS’s such as Encompass by Ellie Mae, Eclass and Empower.

• Managed assigned pipeline; Disposition loans within 24-48 hours of receipt and timely resolves conditions

• Communicated, Researched, Coordinated with credit management and conditioned for required terms

• Worked in collaboration with the team to ensure SLA targets are met

• Demonstrated proficiency in automated underwriting applications( DU and LPA) and ability to assess results.

• Worked as a CTC underwriter in reviewing files with Due Diligence & manual approach. Jr. Underwriter/credit & non- QM Underwriter

Clayton, a Covius Solution (Btier Group) - Rochester, NY January 2018 to January 2021

• Review credit, income, assets, collateral documentation per investor guidelines and determined whether or not the investor conditions are valid.

• Provided responses and rebut investor findings and upload required documentation onto investor portal

• Underwrite Non-QM correspondent, wholesale/broker and retail loans in a timely manner to ensure the loan meets all product and property guidelines of Company and investors, as well as meeting all established loan policies, credit limits and regulatory requirements.

• Reached out to third parties for required documentation to clear investor conditions

• Able to run DU, LP and proprietary AUS software

• Calculated income using traditional and non-traditional documentation to determine DTI ratios, residual income figure, and DSCR when applicable

• I provide exceptional customer service to internal and external partners when trying to clear open conditions

• Track status of investor reviews and follow up to ensure purchase of loans

• Front-line residential mortgage underwriting experience, with FHA/VA experience.

• Experienced with Non-QM and alternative credit products.

• I possess strong risk-based decision making and analytical skills

• I possess strong, concise, and effective communication skills to support internal and external customer service needs

• Detailed orientated, organized, and work efficiently to promote timely pipeline management and accurate results

• Eclass and/or Encompass LOS experience

• Confident in underwriting risk-based portfolio product set from management Group. Technical Project Manager/Computer and printer Technician PRINTMANN - Buea,SWR

June 2015 to February 2017

• Updated or installed software for customers to ensure computer efficiency.

• Strong understanding of project management methodology and PMO standards.

• Supported large project contracts by performing routine maintenance and repair work at client locations.

• Managed highly complex maintenance projects impacting all areas of enterprise and crucial to bottom- line success.

• Coordinated repair work and maintenance of office equipment and building fixtures.

• Innovated new processes and workflows that realized 25% improvement in efficiency of delivery team. Education

Associate in Training in Effective Interpersonal & non violent Communication Gandhi Institute Of Non Violence - Washington, DC

May 2019 to June 2019

Bachelor's in Computer Engineering

Catholic University of Cameroon - Buea, SWR

September 2013 to February 2017

Associate in Hardware Maintenance

PRINTMANN Cameroon

Skills

• Problem Management (5 years)

• Collaboration

• Requirements Gathering

• Fair Housing regulations

• Organizational Skills (4 years)

• Business Requirements

• Financial analysis

• Typing

• Leadership

• Word, Excel, Power Point, Publisher (5 years)

• Growing experience

• Loan processing

• Quality control

• Credit analysis

• Documentation review

• Quality assurance

• Underwriting

• Risk management

• Revenue management

• Construction management

• Mortgage servicing

• Account analysis

• Quantitative analysis

• Qualitative analysis

• Smartsheet

• Adobe Acrobat

• Marketing

• LIHTC

• Private equity

• Cash flow analysis

• Tax experience

• Databases

• Risk analysis

• Strategic planning

• Digital marketing

• Interviewing

Languages

• English - Expert

• French - Fluent

• Spanish - Beginner

Awards

Three times Employee of the month

April 2016

• Employee of the month three times in a row, Printmann Cameroun 2016- 2017 Three times First place Graphic Arts

June 2015

• Three time First place Arts earner at Le Crayon de D'jino from le brasserie du cameroon 2013 - 2016 Certifications and Licenses

Career Readiness Certification

July 2014 to July 2022

• Certified Scrum Master (CSM)

• Amazon Web Services (AWS)

• Bachelor's in Computer Engineering

• High School Diploma

• Associate in Printer/Computer Maintenance

• Cardiopulmonary Resuscitation (CPR)

• First Aid

• Certified Graphic and Color Arts by Le Brasserie du Cameroon.

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