Mortgage Underwriter Customer Care

KEHINDE ADENIKE ADETUNJI

***************@*****.***

(346)302-b4638

SUMMARY

Mortgage professional with more than 5 years’ experience in mortgage industry, my experience in the mortgage industry includes underwriting, processing, and sales, vast experience in underwriting income (W2 wage earner, self-employed, sole proprietorship, partnerships, S-Corp, Corporation, non-taxable income), assets, credit, collateral and risk

Key Skills

Purchase and refinance

Lending & Underwriting Guidelines

Encompass and LOS systems

Income Calculations

Credit & Income Analysis

Cash-Flow Analysis

Loan-to-Value Ratios

Debt-to-Income Ratios

Conventional

Conforming & Nonconforming Loans

Loan Closing, Funding & Documentation

Freddie Mac (LP) / Fannie Mae (DU)

Excellent organization and analytical skills

Excellent oral and written communication skills

Account Service Excellence

EXPERIENCE

Texas Property Lending Inc Houston TX May 2017 till Date

Mortgage Underwriter

Provided reviews loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals and all applicable compliance documents Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors.

Financial Analysis - Accurately determines the financial condition of the applicant(s)

Evaluates borrower’s credit and capacity to repay the requested loan

Perform underwriting decision based on income (W2 wage earner, self-employed, sole proprietor, partnerships, S-Corp, Corporation, non-taxable income), assets, credit, collateral, title and risk

Underwriting loan products/programs that require mortgage insurance

Review/order mortgage insurance, homeowner’s insurance, flood insurance, flood certifications, and other documentation related to each loan.

Review interest rates and interest rate locks

Meet, waive, and add necessary conditions.

Discuss loan conditions with processors and or sales team

Responds to post closing and audit reviews in a timely manner

Maintains an activity log and provides monthly reports to management

Maintains current knowledge of the mortgage origination process and technology

Quantic Houston TX Oct 2014– Feb 2017

MORTGAGE UNDERWRITER

Approve or reject residential loans within limited authority

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

Collect and analyze credit reports, financial statements, and appraisals

Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount approved

Evaluate creditworthiness of borrows to render a credit decision. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports etc.

Perform Second Level One Up Reviews on those loans recommended for approval above someone’s lending authority

Uses background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed Bank guidelines when warranted

Financial Analysis - Accurately determines the financial condition of the applicant(s)

Evaluates borrower’s credit and capacity to repay the requested loan

Knowledge of new construction and draw mortgage underwriting required

Proactively addresses underwriting submission deficiencies

Sun West Mortgage Company, Inc. CA

Dec 2012– Aug 2014 Mortgage Loan Processor

Responsible for collecting and verifying all documentation required for loan submission is complete and in compliance

Working with each client collecting all documentation make sure all documents are signed and dated correctly that is required by the investor/lender and government for final loan approval and clear for closing status

Includes verifying income and employment documentation to verify ratios are in line for loan program and loan to value is in line for loan requirements

Gathering all documentation necessary for closing including mortgagee clause changes for homeowner's insurance

Verifying all invoices and fees necessary for closing and ordering the closing package and title to the subject properties are clear

Following up with our borrowers and making sure they understand all documents they are signing and are aware of items they have provided and ensure all items are always secured with the highest securities and confidential

Fully responsible for following up with title and lender to verify loan in compliance and funding approval received

Work with the Loan Officers to ensure all conditions are obtained in a timely fashion

Order and review appraisals

Provide borrowers with real time updates as to the status of their loans along with requests for supplemental loan documentation as required

Review and approve all closing documentation sent by lenders

Schedule closing of loans

Satisfy any conditions required for funding of the loan

Prepare commitment and denial letters and cancel applications as necessary

Responsible for the ordering of credit and title reports and liaising with third parties for reports and documents as necessary

Communicate between loan originator borrower lender and underwriter

Informs the Processing Manager of discrepancies in the file and obtains direction on how to proceed, as applicable

Record data to track the status of loans in processing

Submit loan application files to underwriting for approval and creates and mails approval or denial letters to applicants

Express Employment Professionals

Customer Care Representative August 2010 – Sep 2012

•Operates office equipment and computers utilizing a variety of software packages (i.e. Microsoft

Word, Excel, PowerPoint)

•Receive, sorts, date stamps, distributes, prepares and processes forms and documents, including

mail, fax, statements, invoices, reports, vouchers, cheque, cash, and receipts.

•Receives documents/applications, invoices/money from the public or other levels of government and ensures accuracy and completeness. Issues/completes receipts/documentation.

•Receives balances and records payments and completes receipts.

•Coordinate’s meeting room bookings and special requirements for meetings.

•Provide work direction, coordination, training, and guidance to assigned staff.

•Shortlisting of qualified candidate and assisting in recruiting of employee.

PROFESSIONAL SKILLS

Proven analytical and organizational skills and demonstrated ability to prioritize and multi-task

Strong organizational skills gained through previous work experiences

Demonstrated sales skills and business development

Excellent Proficiency in computer skills with Microsoft Office/Word, Excel, Financial Calculator and Mortgage Loan Applications/Software) Encompass 360

Possess strong analytical and decision-making skills

Have a proven high level of Mortgage Underwriting Credit Skills with good commercial awareness

Strong Microsoft Office skills, including Excel

EDUCATIONAL QUALIFICATION

Houston Community College HOUSTON TX (Associate Degree of Arts) 2018

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