Adanna Edeh (***) *** - ****

adpufn@r.postjobfree.com

Richmond, TX 77407

PROFESSIONAL SUMMARY

Highly skilled mortgage underwriter with expertise in underwriting various mortgage loans, data accuracy and security. Hard working professional with over five years of assisting clients, reviewing loan files, credit histories, and financial statements in accordance to company and investor guidelines. Knowledgeable in all credit procedures.

SKILLS

● Customer service-oriented

professionalism with

excellent problem solving

skills.

● Great judgement and

decision making skills

● Great communication skills

● Methodical thinking with

ability to prioritize and

manage several

assignments

simultaneously.

● Loan to Value and Debt to

Income ratio calculations

● Great maintenance of

FHLMC and FNMA lending

and underwriting guidelines

● Knowledge of risk analysis

approach and residential

appraisal process

● Strong working knowledge

of AUS systems (DU & LP)

● Strong working knowledge

of LOS systems (Encompass,

Embower, OnBase) and

fraud services (LSFM & Data

Verify)

EXPERIENCE

08/2019 - Present

Mortgage Underwriter, Loan Depot - Houston, TX

● Maintaining signing authority of $850K and performing second sign declines requiring review of initial underwrite and comparison to guidelines and compliance.

● Meeting 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.

● Evaluating performance of two less experienced underwriters and helping improve overall work quality by implementing improvement plans.

● Reviewing loan files for completeness and accuracy, analyzing credit documents, including, but not limited to mortgage applications, credit history, income and title documents, appraisals and all applicable compliance documents.

● Evaluating debt to income (DTI) and loan to value (LTV) ratios, credit score, property valuation and other various factors.

● Meeting, waiving, and adding necessary conditions: discussing loan conditions and decisions with processors and/or sales team.

● Actively managing pipeline of both purchase and refinance loans with focus on turn time, service and quality.

05/2017 - 07/2019

Mortgage Underwriter, Fairway Independent Mortgage - Houston, TX

● Worked with processing team members to communicate errors and obtain missing information for current applications.

● Checked personal and team calculations to validate information and underwriting decisions.

● Analyzed DTI, LTV, credit report, application, income and asset documentation, appraisal and title to ensure each loan meets secondary market, investors and company standards.

● Managed underwriting pipeline of 4-5 loans per day.

● Identified risk factors within each loan and utilized resources, tools and documentation to detect red flags and clear inconsistencies.

● Conditioned loans in accordance with FNMA, FHLMC and federal requirements; worked with processors to ensure all conditions were clear.

● Claimed responsibility for underwriting newly originated conventional loans to Fairway Independent Mortgage and investor guidelines as well as communicating underwriting decisions to various levels of staff.

02/2016 - 04/2017

Junior Underwriter, Fairway Independent Mortgage - Houston, TX

● Verified integrity of applicants’ information to minimize fraud.

● Assisted senior underwriters in reviewing appraisals, title and income documentation.

● Clearly and concisely communicated conditions to various levels of staff.

● Checked loan files for appropriate documentation.

● Upheld complete confidentiality of all submitted information according to release guidelines.

● Handled any conditions sent from underwriting departments.

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

EDUCATION

Texas Southern University - Houston, TX

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