Greg Kuforiji

adndek@r.postjobfree.com

416-***-****

SUMMARY

An analytical mortgage underwriter with in-depth knowledge in evaluating risk analysis on mortgage loans based on Fannie Mae, Freddie Mac and investor specific guidelines. Able to handle multiple tasks, high volume documentation reviews within a timely manner while adhering to company processes and procedures. Team oriented with success in building good relationships with team members, brokers and sales partners to achieve business goals. An active listener with excellent written and verbal communication skills.

EXPERIENCE

RUFADEL CONCEPT LLC

Mortgage Underwriter January 2017 - Present

Conduct comprehensive analysis of applicant's income, asset/liability documentation, credit report, collateral for mortgage underwriting purpose

Render approval or decline mortgage loans based on income analysis using income statements and tax returns for wage earners and self-employed respectively

Responsible for reviewing loans to detect red flags, suspicious activities and frauds

Increased closed loans ratio by 20% by analyzing contested loans, submitting rebuttals and effectively communicating findings extensively underwriting.

Knowledge of Fannie Mae & Freddie Mac Guidelines and strict adherence to industry guidelines

Timely review and clearing of conditions on files as required by underwriting to expedite loan closing

Conduct proactive and effective pipeline management in accordance with performance standard expectations

Provide consistent status updates to processors, mortgage loan officers, closers and management of changes, status updates, findings and credit decisions

Work in collaboration with the team to ensure SLA targets are met daily - 3 new loan files (purchase or refinance) and 5-10 resubmissions

Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages

RUFADEL CONCEPT LLC

Junior Underwriter January 2016 – December 2016

Analyzed applicant’s financial status, credit and property evaluation to determine feasibility of granting the loan request

Thoroughly examined title reports and loan documentation to ensure accuracy and completeness

Verified closing conditions were satisfied per bank or secondary market requirements

Reviewed and understood all loan programs, policies and procedures to ensure regulations of the bank, investors, and government agencies are satisfied

Reviewed mortgage loan applications for completeness. Analyzed applicant’s financial status, credit and property evaluation to determine feasibility of granting the loan request

Processed loan applications and maintained communication with clients and institutions for all necessary detail clarifications.

Responded to post closing and audit reviews in a timely manner to satisfy all conditions

Assisted senior underwriters in coordination of approval processes to ensure efficiency.

British American Tobacco

Quality Assurance Auditor August 2014 – December 2015

Provided support for Quality Assurance department and to the business analyst in the delivery of good products to consumers

Created reports, root cause analysis, managed and resolved quality related issues identified by customers

Developed, implemented, and maintained work instructions, test methods and compliance with ISO 9001 – 2008

Supported the Quality Assurance department in quality assurance planning, quality training and coordinated quality improvement projects; sample manufacturing Quality control check on both primary and secondary production floor

Facilitated scheduled Quality Improvement Meetings to ensure that identified Quality issues are discussed and appropriate improvement action plans agreed and implemented by the Manufacturing team

Coordinated investigation process (Root cause analysis, 5WHY’s and IFA) to ensure adequate and appropriate corrective/preventive actions are taken by the Manufacturing team for the reduction of product/consumer complaints’ incidence and waste on the shop floor

Audited and reviewed the application and effectiveness of the quality system, quality procedures, process information, and consumer response systems

EDUCATION

Logistics, Material & Supply chain Management (Bridging program) 2020

Humber College

Master of Agriculture, Soil Fertility 2013

University of Ibadan, Ibadan

Bachelor of Science in Agriculture- Soil Science & Land Management 2010

University of Agriculture, Abeokuta

SKILLS

Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, Team) and PowerBI

Excel skills on the use of Mortgage Loan Applications (Encompass 360 and Empower) and Financial Calculator

E-folder management

Basic knowledge of mortgage credit processing, DU and LP

Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff

Very good knowledge of mortgage credit processing and underwriting

Ability to review Condo/PUD projects to ensure they meet salable or non-warrantable guidelines

Proven ability to perform quality work while maintaining productivity and compliance standards

Strong analytical thinker, time management and data management skills

Strong business acumen and exceptional organizational skills

Energetic, results-driven, independent thinker, honest, leader and motivator

Trouble shooting, problem solving and multi-tasking skills with ability to deliver high quality outcomes

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