TEMI MAKINDE

TX ***** EMAIL: adnw4a@r.postjobfree.com:+1-903-***-****

PROFILE

Enthusiastic and hard worker with more than 5 years of experience in high paced customer service driven mortgage banking industry to secure a position in a customer service. Committed customer service. Experience in reviewing titles, Appraisal, income Calculation, assets, generally ever documents associated with a loan application. Timely and accurate completion of the underwriting process as expected.

EXPERIENCE

HERITAGE LAND BANK (REMOTE)

MORTGAGE UNDERWRITER

May 2016 – Present

Analyze borrower’s credit profiles to determine ability to repay.

Reviews loan file for any risk issues.

Accurately calculate borrowers income using pay stubs, W2, ward letters and tax returns.

Run, read and interpret automated underwriting decision results from both desktop Underwriter and loan Prospector.

Ensure all necessary documents is requested to support final decision.

Verify accuracy of all calculations and data integrity against documents in file.

Analyze loan-to-value and debt to income ratio to ensure they comply with guidelines.

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

Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements

Guided mortgage loan officers in relation to unique and/or potential loan scenarios and provided underwriting and mortgage loan operating system data input guidance and support as needed.

• Calculated income based on tax returns and other income documents. • Reviewed loan files for completeness and accuracy.

• Proactively assessed market risks and opportunities to aid the evaluation of multiple possible solutions and leveraging data-based insights to influence the decision of executive leadership.

• Responsible for underwriting conventional mortgage residential loans.

• Managed a pipeline of over 55 loans in a month exceeding monthly goal of 40 per underwriter

. • Demonstrated excellent follow through with borrowers, loan processors, loan processors etc. throughout all phases of the underwriting process.

• Requested documentation and followed up on all third-party verifications.

• Issued Quality Control findings that documentation was complete prior to submitting to underwriting.

• Selected to train new hires on processing and systems resulting in increased accuracy.

• Consult with closing department to ensure that all underwriting condition are met prior to closing the loan

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

. • Reviewed asset statements to determine whether transactions are legitimate and request for documentation to properly document large deposits.

• Analyzed and reviewed documentation to verify accuracy of application and support underwriting decisions.

• Worked with internal and external partners to clear conditions in a timely manner.

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

HERITAGE LAND BANK

LOAN PROCESSOR

August 2012 – April 2016

Guided mortgage loan officers in relation to unique and/or potential loan scenario and provided underwriting and mortgage loan operating system data input guidance and support as needed.

• Calculated income based on tax returns and other income documents. • Reviewed loan files for completeness and accuracy.

• Proactively assessed market risks and opportunities to aid the evaluation of multiple possible solutions and leveraging data-based insights to influence the decision of executive leadership.

• Responsible for underwriting conventional mortgage residential loans

. • Managed a pipeline of over 55 loans in a month exceeding monthly goal of 40 per underwriter

. • Demonstrated excellent follow through with borrowers, loan processors, loan processors etc. throughout all phases of the underwriting process.

• Requested documentation and followed up on all third-party verifications.

• Issued Quality Control findings that documentation was complete prior to submitting to underwriting.

• Selected to train new hires on processing and systems resulting in increased accuracy.

• Consult with closing department to ensure that all underwriting condition are met prior to closing the loan

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

• Reviewed asset statements to determine whether transactions are legitimate and request for documentation to properly document large deposits.

• Analyzed and reviewed documentation to verify accuracy of application and support underwriting decisions.

• Worked with internal and external partners to clear conditions in a timely manner.

UNIVERSITY OF IBADAN : 2001- 2005

B. ED ECONOMICS Analysis.

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