OSADEBAMEH JAIYEOLA

Phone: 202-***-****

Email: adnvn4@r.postjobfree.com

Address: **** ***** **, ** . ********** DC 20020

SUMMARY:

Detail-oriented and articulate Underwriter with experience in the fast-paced, ever changing Mortgage Industry. Excellent communication and organizational skills. Track record of handling tasks with accuracy and efficiency with minimal errors. Passionate and motivated, with the drive for excellence.

SKILLS:

Loan-to-Value Ratio (LTV)

Encompass Experience

Credit & Income Analysis

Cash-flow Analysis

Debt-to-Income Ratios (DTI)

Excel & MS Word

Conventional & Government Mortgages

Documentation

Time management

DU & LP system.

EXPERIENCE:

GUARANTEED RATE

MORTGAGE UNDERWRITER

Annapolis MD. 07/2019- Present

Microsoft products, specifically Outlook, Teams, Word, and Excel

Review bank statements or quarterly financials to determine the borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines.

Reviews multiple files per day to hit production goals while maintaining perfect loan quality with elite client service.

Sets up conditions at initial underwrite that are needed to gain final approval.

Reviews file upon gathering of documentation to clear any applicable conditions.

Works directly with processors and loan officers to quickly get loans clear to close.

Familiar with using selling guides to frequently look up relevant guidelines.

Comfortable reviewing all underwriting documentation including: Credit report, pay stubs, W-2s, tax returns (personal and business), application, assets, title, appraisal, etc.

CROSSCOUNTRY MORTGAGE

MORTGAGE UNDERWRITER

Brecksville, Ohio 07/2018–06/2019

Review assets, income, credit, and collateral in order to make accurate decision on the loan file.

Advise loan processors on required documentation to satisfy loan conditions.

Analyzes problems and identifies potential solutions, identifies documentation deficiencies within review and communicates findings.

Maintained meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity.

Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.

Keep up to date on all credit policy changes that impact underwriting.

Review of loan documentation utilizing Encompass.

Review FHA, Conventional appraisals.

ABIATECH SOLUTION

INFORMATION SECURITY ANALYST

Greenbelt, MD 06/2017 – 06/2018

Provide support in the development and implementation of security policies and procedures.

Reviewing and updating the System Security Plan (SSP) to provide an overview of system security.

Conduct Privacy Threshold Analysis (PTA), and Privacy Impact Analysis (PIA) by working closely with the Information System Security Officers (ISSOs), the System Owners, the Information Owners, and the Privacy Officer.

Deep understanding, management, and use of CSAM for POA&M management and report generation.

Updating Plan of Action & Milestones (POA&M) and Risk Assessment based on findings assessed through monthly updates.

Performed data gathering techniques (e.g. questionnaires, interviews, and document reviews) in preparation for assembling C&A/A&A packages.

EDUCATION & TRAINING:

Bachelor’s Degree in Business Administration

Certified Authorization Professional (CAP)

REFERENCE:

Available Upon Request.

Contact this candidate