Ali Kromah

(***) *** - ****

adpnkm@r.postjobfree.com

Missouri City, TX 77489

PROFESSIONAL SUMMARY

Analytical mortgage underwriter with five years of expertise in loan management. Experienced and knowledgeable in income calculation, credit analysis, and evaluating risk and loss potential. Team-oriented with success in building relationships with brokers, processors, and closers to achieve business goals. SKILLS

● Great communication skills

● Methodical and multitasking

thinker.

● Proven ability to perform

quality work while maintaining

productivity and compliance

standards.

● Vast knowledge of Encompass

and Empower LOS.

● Knowledge of risk analysis

approach and residential

appraisal process.

● Conforming and non

conforming loans.

● Fannie Mae/DU, Freddie Mac/LP

and USDA/GUS experience.

● Regulatory Compliance

● Proficient computer skills,

including Microsoft Office.

● Proficient in income calculations

(W2, Self Employment [S-Corp,

C-Corp, Partnership, Rental

Income, etc])

● Credit and collateral

underwriting.

EXPERIENCE

03/2020 - Present Mortgage Underwriter, Texas First Bank - The Woodlands, TX

● Making careful determinations based on skilled analyses of submitted documentation covering income, credit history, employment records and current financial status.

● Ensuring loan submissions meet internal and external eligibility requirements. Gaining extensive experience in underwriting FHA, VA and Fannie Mae and Freddie Mac loans.

● Determining credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

● Managing assigned pipeline; disposition loans within 24-48 hours of receipt and timely resolves conditions.

● Reviewing condo/PUD projects to ensure they meet salable or non-warrantable guidelines.

● Thorough understanding of underwriting fundamentals and capability to implement changing overlays to ensure quality files that meet secondary market investors guidelines.

12/2017 - 02/2020 Mortgage Underwriter, Loan Depot - Houston, TX

● Worked within approval limits to move loans forward and conferred with managers to handle larger and more complex applications.

● Conducted comprehensive analysis and evaluated risk to control underwriting loss.

● Identified portfolio risks resulting from clients’ underlying business practices, underwriting investigations or fraud exposure leading to 15% in customer retention.

● Maintained meticulous attention to detail in underwriting mortgages.

● Evaluated financial strength of borrowers to determine risk and repayment capacity.

05/2016 - 11/2017 Loan Processor, Loan Depot - Houston, TX

● Handled any conditions sent from underwriting departments.

● Reviewed financial statements and contacted institutions and customers to clarify details.

● Processed loans within various departments to achieve timely, accurate and fair proceedings.

● Processed conventional, FHA, USDA and VA mortgage loans.

● Maintained a secure environment when confidentially processing loan files.

● Checked packages for appropriate documentation.

● Ordered services for credit reports, flood certifications, and appraisals through third-party services.

EDUCATION

St. Louis University - St. Louis, MO

Jefferson College - Hillsboro, MO

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