Earline Murray

**** **** ******

Detroit, MI ****6

Cell Number: 248-***-****

Home Number: 313-***-****

adppkr@r.postjobfree.com

Talented, resourceful and assertive mortgage services specialist and trusted advisor. High moral ethics when I executed underwriting decisions. Possess strong analytical, oral, interpersonal and written communication skills. Conducted complex credit investigations and analyzed diverse credit information for loans. Proven abilities in meeting operation goals, while maintaining high quality service standards. Collaborative team player, with abilities to direct and coach Loan Officers to ensure quality. An excellent problem solver with great organizational acumen.

●Mortgage Lending

●Appraisal Review

●Access Applicants Risk

●Clearing Conditions

●Extensive Experience with Automated Financial Systems (AFS)

●Due Diligence

●Loan Processing

●DE Certified

PROFESSIONAL EMPLOYMENT

Paramount Residential Mortgage Group

September 2020-May 2021

DE Underwriter (Remote)

Completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.

Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product.

Check’s accuracy of all calculations and data integrity. - Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center.

Maintained company standard for productivity level by completing five loans a week for production.

Claro Technologies

August 2020-December 2020

Senior Underwriter (Remote) (Contract)

●Perform a detailed review of mortgage loan applications and documentation to ensure loans meet client and underwriting guidelines.

●Review, analyze, and confirm AUS (Automated Underwriting System) requirements were accurate and met investors standards.

●Analyze borrower(s) credit profile to ensure they can repay the proposed mortgage obligation.

●Analyze debt to income ratios based on company practices.

●Review and sign off on conditions after extensive review.

●Reviewed properties appraisals for accurate values and information.

HCL Technologies

January 2020-March 2020 Highland Ranch, CO

Senior Underwriter

•To improve the efficiency of the business through identification of the existing issues, optimizing activities, creation and implementation of solutions/improvements/enhancements and generating detailed reports/analyses to improve processes and functionalities within the assigned project.

•To effectively identify root causes of ongoing issues, existing processes and procedures; and determine quick resolutions, improvements and enhancements for the same in assigned tasks/projects.

•To create business requirements for enhancing functionality of process workflows to improve customer experience and satisfaction.

•I left this position due to a medical resignation with my child.

New Beginnings Community Resources Detroit, MI

February 2017-January 2019

Loan Processor/Mortgage Underwriter

•Extensive knowledge of TRID Guidelines and Regulations.

•Comfortable using various proletary loan systems/software.

•Reviewed credit, income, and asset information.

•Processed/underwrote Government and conventional loan applications.

•Experience with AFS commercial loan accounting system.

Workway/Stewart Title Farmington Hills, MI

August 2016-January 2017

Quality Control Compliance Auditor (Temp Assignment)

•Audit loan file for state and federal compliance regulations.

•Perform data integrity check of all compliance documentation.

•Review and identify fraud red flags for elevation to the fraud department if necessary.

•Perform federal compliance audit including, but not limited to initial disclosures, RESPA, TILA, TRID, MDIA, ECOA, Patriot Act, Flood Act, AFS, and Fact Act.

•Utilized the AFS to review the financials to ensure funds were accurate and available.

JP Morgan Chase Jacksonville, FL

February 2016-October 2016

Collateral Underwriter

•Identity discrepancies within value productions and require revisions that fit Chase requirement.

•Independently identity certain data given within appraisals.

•Answer appraisal underwriting questions in support of internal products.

New Beginnings Mortgage Service Detroit, MI

September 2012-July 2015

Underwriter /Loan Processor (Remote)

•Analyzing the borrower’s financial situation and making recommendations on loan modifications/workout options to resolve delinquency.

•Underwriting which includes purchases, refinances, equity lines, and USDA and HARP loans.

•Communicate with borrowers and/or agencies of loan modification decisions, current status, options, timelines, coordination touch points, and borrower obligations through the process.

•Order MI certificates for each file when required.

JP Morgan Chase Banking Phoenix, AZ

June 2012-September 2012

Senior Underwriter

•Reviewed financial statements, credit reports, and all applicable ratios manually.

•Worked closely with the production and operations team when necessary to determine the best method to achieve loan approval.

•Analyzed profit and loss statements, calculate income, review assets, analyze self-employed borrowers, analyze the appraisals with the intent to protect collateral.

Equal Mortgage Corporation Southfield, MI

January 2010-July 2012

Loan Modification Specialist

•Ran debt to income ratios along with assisting with hardship letters (letters of explanation of hardship).

•Examined each transaction to ensure total accuracy, prepared and complete reports for review.

•Specialized in default servicing to become a short sale specialist.

Fifth Third Bank Cincinnati, OH

November 2009-January 2010

Underwriter (Temp Assignment)

•Reviewed loans and performed risk analysis, made decisions regarding deficiency identified during the review process. Performed fraud Investigation with potential red flags.

•Suggested alternative products for loan approval when it didn’t fit guidelines.

•Accurately recorded data and reviewed conclusions in the Quality Assurance System.

•Ability to professionally communicate results of the file review to internal and external customers.

•Reviewed Hud1 in accordance with updated Guidelines; FHA, VA, FMAC, FNMA, FHLC Rural Loans, and Commercial loan experience.

•Worked within a paperless Imaging System.

Processing Center Lisle, IL

April 2006-November 2009

Underwriter

•Communicated with loan officers and processors regarding loan decisions through calyx notes.

•Worked closely with Conventional, and FHA and VA loans.

•Underwrote files as well as processed, ran Desktop Underwriting and Loan Prospector.

•Ordered and cleared all conditions to complete and prepare file for closing.

•Experience with AFS commercial loan accounting system.

Nevada Home Loans Inc. Las Vegas, NV

January 2004-April 2006

Underwriter

•Approved and submitted retail loans, conforming and non-conforming for a variety of programs using Genesis, Calyx, DU/LP programs.

•Cleared all conditions as well as prepared files for final documentation for closing. Studied and monitored all RESPA and guideline changes.

•Utilized the AFS to review the financials to ensure funds were accurate and available.

First Source Mortgage Las Vegas, NV

January 2002-January 2004

Underwriter

•Processed loans, ran DU/LP, ordered and cleared all conditions.

•Prepared loan documentation for final closing.

•Acted as liaison between loan officers and realtors.

•Skills: Microsoft, Adding Machine, Excel, Typing, Lotus Programs: Calyx, Genesis, Desktop and Frontline Underwriting, Loan Prospector.

•Utilized the AFS to review the financials to ensure funds were accurate and available.

EDUCATION

Tennessee State University Nashville, TN August 1986-December 1988

•Associates Degree in Accounting and Minor in Marketing

Saint Martin De Porres High School Detroit, MI September 1982-June 1986

●High School Diploma

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