Mortgage Underwriter
Resume:
Yolande Ngenkeng
Address:**** *********** ****** ** ***** MD
Email: adpjoz@r.postjobfree.com
Tel:202-***-****
SUMMARY
Dynamic goal oriented professional seeking employment as a Mortgage Underwriter. Passionate and motivated, with a drive for excellence. 4 years in the mortgage industry. I do work 4 to 5 loans a day depending on the workload and a monthly production goal of approximately 80 to 90 loans in a month depending on the workload, review documents such as the paystubs,w2,bank statement, credit report, and others I also do calculate income such as DTI,LTV,CLTC,HCLTV. I'm known for strengths in risk assessment, income/credit analysis, documentation review, Evaluating appraisals Report. Cashflow Analysis. Work collaboratively with team members to drive deals to successful fundings and close. I have a good mastery of the Encompass system and I also Run my fraud report and the AUS findings report. I follow the Guidelines of Fannie Mae and Freddie Mac Review customer accounts to determine whether payments are made on time and that other loan terms are being followed
SKILL
Goal and people – oriented
Excellent communication skills
Strong organizational skills
Detailed- oriented
Energetic work attitude
Financial analysis
Appraisals review and frontline underwriting
Risk management expert
Active Listening
Judgment and Decision Making
Critical Thinking
Time Management
Keeping up with production goals
WORK EXPERIENCE
Underwriter at Castle Mortgage Inc CA
August 2019 to December 2021
Responsible for loan reviewing, analyzing, approving, and underwriting 3 to 5 loans a day depending on the workload.
Calculate LTV ratio and ensure debt to income ratio is incompliance with Fannie Mae and Freddie Mac, DU\LP, FHA, and VA guidelines
Evaluate and ensure overall loan documents are accurate, completeness
Followed policy and procedure for conventional, FHA, FNMA, FHLMC and VA loans.
Reviewing of financial statements, credit reports, paystubs and other supporting documentations for approval.
Evaluate the loan file documentation to determined if a loan should be approved or denied and upholds to guidelines and industry standard
Performs ongoing review of work processes to ensure continuous quality improvement
Developed and implemented risk assessment software to improve the outcome ratio of bad loan. Work under the direct supervision of senior underwriters on Freddie Mac and Fannie Mae senior housing, Freddie Mac SBL, and Fannie.
Review credit reports, and income and asset documents to ensure compliance with stated guidelines. Communicate with underwriting manager to advise of any branch processing issues
Complete/review guideline checklist for Conventional, FHA and VA loans and recommend delinquency programs.
Clears conditions as needed or by assignment of loans previously underwritten.
Reviews/approves and clears the conditions for 4506 tax transcripts to return using knowledge and experience to assure that the tax transcripts are in line with the income underwriting of the file.
Maintains company mandated turn times of new loans and resubmissions.
Fields and answers all incoming underwriting questions regarding to conditions and/or specific file issues to ensure immediate resolution.
Reviews and clears Fraud Guard conditions and provides information to underwriters of any required actions necessary for the loan approval.
Maintains a professional image and adheres to standards consistent with company policies and procedures
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Generate financial ratios, using computer programs, to evaluate customers' financial status for extending credit.
Refer to Fannie Mae guidelines in order to underwrite loans based on specific programs.
Handle all correspondent and brokered loans by working closely with lender representatives to underwrite loans based on their specific guidelines.
Verify and examine information and accuracy of loan application and closing documents.
Review customer accounts to determine whether payments are made on time and that other loan terms are being followed.
Mortgage Underwriter at Glass City Credit Union OH
June 2018 to June 2019
Senior Underwriters by reviewing loan documentation.
Reviewed and signed off level 1 and 2 conditions for mortgage loans.
Organized loan package for Senior Underwriter to ensure quicker service level agreements for review times.
Clears conditions as needed or by assignment of loans previously underwritten.
Reviews/approves and clears the conditions for 4506 tax transcripts to return using knowledge and experience to assure that the tax transcripts are in line with the income underwriting of the file.
Maintains company mandated turn times of new loans and resubmissions
Ensured that data was keyed in accurately in Encompass and Data Trac systems.
Underwrote loans from start to finish as part of underwriting training.
Junior Mortgage Underwriter at Home Xpress Mortgage NV
Jan 2017 to May 2018
Evaluate and ensure overall loan documents are accurate, complete and compliance with stated guidelines.
Audited closed mortgage loan files and replied to FNMA and FHLMC repurchase request.
Evaluated financial strength of borrowers to determined risk and repayment capacity as well as assessing strength of collateral.
Verify and examine information and accuracy of loan application and closing documents.
Submit loan applications with recommendation for underwriting approval.
Answer questions and advise customers regarding loans and transactions.
EDUCATION
Bachelor’s Degree in business management
4r54r Advanced Level Certificate
Contact this candidate