Preservation Specialist Property

SUMMARY

Focused Senior Underwriter with ** years of experience and passion for FHA and Conventional

loans. Adept at applying analytical and critical thinking skills to solve complex problems and

influence decision-making.

SKILLS

Managing Risk

Analyzing Data

Guidelines Knowledge

Risk Evaluations

Working Collaboratively

Problem Resolution

Customer Service

Organizational Skills

Computer Skills

Work Ethic

Critical Thinking

Friendly, Positive Attitude

EXPERIENCE

Senior Underwriter

Corona, CA

Paramount Residential Mortgage Group/ Oct 2020 to Apr 2022

Utilized understanding of underwriting guidelines to keep work in line with

government regulations, professional standards and company requirements.

Conducted comprehensive analysis and evaluated risk to control underwriting loss.

Used authority to decide whether to accept, reject or suggest modifications to

application proposals.

Collaborated with multiple agents, brokers and partners to obtain underwriting

information.

Analyzed loan risk and reviewed loan conditions and requirements.

Analyzed applicant financial and credit status, evaluating assets and risk to determine

loan feasibility.

Demonstrate ability to comprehend software, program and guideline changes; able to

quickly implement new changes in daily production with minimal error rate.

Validating automated underwriting findings, assets, income and collateral documents

while verifying accuracy and completeness as a corporate retail and wholesale

underwriter

Senior Underwriter

Maitland, FL

Digital Risk Mortgage Services/ Feb 2015 to Sep 2020

Inspected financial statements, credit information and title data to complete

underwriting process.

Assessed loan conditions and provided effective feedback regarding decisions.

Analyzed loan-to-value ratios, debt to income ratios and credit scores to make

underwriting decisions.

Ability to work in FHA Connection, DU and LP systems

Senior Underwriter

Jacksonville, FL

PHH Mortgage Corporation/ Jul 2010 to Apr 2014

Reviewed and evaluated Mortgage applications to approve, suspend or decline

requests.

Entered data into underwriting database to track activity during application process.

Collected and reviewed third-party reports to support decisions.

Authored first drafts of conditional approvals and delivered updates every

resubmission review request.

Completed analytical review of borrowers' credit profile, income (pay statements,

verification of employment, profit and loss statements, tax returns, rental income),

collateral, and assets while ensuring adherence to investor and product requirements

ensuring quality decisions are rendered

Underwrite mortgage loan applications and evaluate loans in order to maximize

organizational profit and minimize risk. Proficient in reviewing, titles, liens/

judgments, escrow, private mortgage insurance and appraisal reports for underwriting

decisions

Property Preservation Specialist

Jacksonville, FL

Sparta Special Servicing/ May 2009 to May 2010

Answered calls and responded to inquiries from various parties, using strong active

listening and open-ended questioning skills to resolve problems.

Managed day-to-day activities involving tenants, subcontractors and property

management.

Managed routine maintenance and emergency response services provided by

contractors and vendors.

Processed FHA loans ensuring conveyance condition is met within investor guidelines

and timeframes.

Filed HUD extensions to reduce/eliminate lose of interest cut.

Create detailed chronologies that assist in finding vendor errors pertaining to city

violations and demolition notices.

Manage vendors and attorney's offices to ensure completion of all FHA evictions.

Complete access requests for pre- and post- sale loans, in a timely manner.

Initiated hazard claims to recoup losses per damaged properties that were insured.

Completed process manuals and flow charts for Property Preservation department.

EDUCATION AND TRAINING

High School Diploma

Florida Community College of Jacksonville Dec 1996

Jacksonville, Florida

CERTIFICATIONS

Certified HUD DE Underwriter, Government - 202

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