Mortgage Loan Underwriter
Resume:
Chezza Hartfield
***** ******** ***. **** *****, TX 76244
***************@*****.***
DE/SAR/LAPP FBC MORTGAGE NOV 2021-PRESENT Review all loan underwriting documentation to ensure compliance with investor requirements (e.g.loan documents, appraisals, etc) Analyzed complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review. Examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents. Experience with underwriting to multiple lender guidelines and requirements. Critically examined credit, income and asset documents and review title policy and appraisals. Encompass experience. Conventional, VA & FHA experience DE/SAR/LAPP PRMG JULY 2021-OCT 2021 Reviewed all loan underwriting documentation to ensure compliance with investor requirements (e.g.loan documents, appraisals, etc) Analyzed complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review. Examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents. Experience with underwriting to multiple lender guidelines and requirements. Critically examined credit, income and asset documents and review title policy and appraisals. Encompass experience. Conventional, VA & FHA experience. DE/FHA VA SAR/LAPP Underwriter Willow Bend Mortgage November 2019 to July 2021 Examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents. Experience with underwriting to multiple lender guidelines and requirements. Critically examined credit, income and asset documents and review title policy and appraisals. Encompass experience. Conv, VA,FHA experience. VA SAR/LAPP Underwriter Veterans United Home Loans- Irving, TX November 2016 to May 2019 Reviewed submitted documents provided established & cleared collateral conditions; completion of appraisal review and issuance of NOV, in accordance with VA and VU policies, procedures & guidelines. Calculated income accurately (per VA / Agency Guidelines), including but not limited to reviewing Tax Returns and any accompanying Tax Schedules. Ensured accuracy of documents, data and appropriate decision per guidelines, including timely correction of investor delivery violations and compliance reviews and audit requests. Verified assets required to close the loan, including but not limited to trailing funds, gift funds, etc. Reviewed & interpreted the HUD 1 and can spot deficiencies, if any.
Mortgage Loan Underwriter lll JPMorgan Chase- Lewisville, TX September 2014 to November 2016 Reviewed all loan underwriting documentation to ensure compliance with investor requirements (e.g.loan documents, appraisals, etc) Analyzed complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review. Work With internal partners to assist high profile customers in determining if a project or individual loan requests meet eligible Condo, Cooperative and Attached PUD classifications and product specifications. Mortgage Loan Underwriter III Wells Fargo- Irving, TX January 2013 to September 2014 Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Dependent on division and complexity of underwriting, functions included reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness.
Education : O.D. Wyatt High School - Fort Worth, TX August 1999 to May 2003
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