Atud Akeh

856-***-**** adpge8@r.postjobfree.com

OBJECTIVE

Highly qualified underwriter with four years experience as mortgage underwriter and one year as loan processor is seeking to work in an industry where he is more experienced and qualified. Enjoy creative problems solving and getting exposure on multiple projects, willing to work and excel in a collaborating environment to enhance better productivity. Underwriting loans files to the guideline of FNMA,FHLMC and investor's overlays. CORE COMPETENCIES:

public speaking,Desktop underwriter and excellence in calculation. PROFESSIONAL EXPERIENCE.

Senior mortgage underwriter.

Atlantic Bay Mortgage group Virginia Beach April 2017 -July 2021.

● Determine credit worthiness and risk associated with the borrower based on credit profile. Analyzing debt to income ratio,credit report,application,income and assert documentation to ensure that each loan meets secondary market investor and company standards.

● communicate decisions that most effectively mitigate credit risk for Atlantic Bay mortgage group including data integrity and validity of information submitted, while utilizing the prudent underwriting judgement and experience.

● Experienced income calculation for W2 and self employed borrowers

● make sure the appraisal meets the investors guideline and support values.

● Review and evaluate borrower's profile including but not limited to income documentation, tax return, credit report,preliminary report, judgement bankruptcy document and appraisal.

● Analyze borrower’s credit profile, collateral, and capacity to repay the proposed mortgage obligation.

● Underwrites first time home buyers' loan, refinancing and modifications,worked closely with the loan processor to ensure every option available is made to find the best loan and program for the borrower.

● Review appraisal and the SSR from Fannie and Freddie Mac to know the risk assessment and determine if it is acceptable to Fannie and Freddie mac.

● Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss.Write conventional and jumbo loans frequently while working on FHA,USDA and VA loans partially.

● Demonstrates proficiency in automated and manual underwriting systems (DU, LP).

● Maintains a pipeline of loan file audit/review inventory, meets production requirements, and communicates status to management.

National Lending Columbia MD .Mortgage Loan processor:January 2016-March 2017

● worked effectively with loan officers to ensure that every option available is made to find the best loan program available to the borrower.

● Request review and verify all loan documents such as income credit appraisal and title insurance to ensure complete and accurate information is in the file before it is sent to the underwriting.

● Collecting data from clients such as their assets, salaries, debts, and employment status to fill in information for the loan application.

● Calculating income and performing initial underwriting.

● Researching and correcting mistakes in applications to ease the work of the underwriter.

● Reviewing file documentation for missing or erroneous information

● Assisting loan officer with request and needed to complete and process loan applications SKILLS

● Credit & Income Analysis, Risk Assessment, Loan-to-Value Ratios (LTV), Debt-to-Income Ratios (DTI), Conventional & Government Mortgages, Loan Closing, Cash-Flow Analysis, Documentation, Account Service Excellence Lending

& Underwriting Guidelines.

● Proven analytical and organizational skills and demonstrated ability to prioritize and multitask. Demonstrates strong interpersonal communication skills .

● Strong analytical and decision making/problem solving skills.

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

● Strong Microsoft Office skills, including Excel, Fair Housing Regulations and Portfolio Management, Tax and Financial Analysis Experience

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