Mortgage Underwriter Loan Processor
Resume:
Chantelle Diarra
Senior Mortgage Underwriter
Parker, CO 80134
********@*****.***
PROFESSIONAL SUMMARY
Analytical mortgage underwriter with expertise in GSE guidelines. Gifted in time management to maintain a pipeline of 60 plus loans and issue clear to close. Team-orientated with great customer service to maintain relationships with brokers and processors.
EXPERIENCE
Resicentral/One American Mortgage, Remote- Senior Underwriter AUG 2020 - PRESENT
● Proactively manage a pipeline of loans with a sense of ownership
● Review all mortgage related documentation for accuracy and completeness and meet Resicentral/OAM guidelines
● Review to ensure all GSE requirements are met on conventional loans, loans are insurable and Resicentral/OAM overlays are applied
● Request missing documentation necessary to complete the underwriting decision prescriptively and concisely
● Accurately perform compliance reviews and escalate as necessary
● Support Operations, Sales and Clients in conveying the Resicentral/OAM underwriting philosophy and education
Metasource, Remote - Client Revisions Supervisor (Post Closing QC) MAY 2016 - AUG 2020
● Provide clarification to clients regarding rebuttals to cited defects during the underwriting process for agencies such as FNMA, FHLMC, USD, VA and FHA.
● Maintain knowledge and current understanding of all conventional underwriting guidelines for agencies and private investors (Ex. FANNIE MAE, FREDDIE MAC, LQI, Dodd-Frank, and TRID).
● Exhibit working knowledge of AUS analysis to determine applicable loan conditions.
● Achieves quality assurance operational objectives by contributing information and analysis to strategic plans and reviews.
● Provide guidance and coaching to the team during team meetings.
● Develop, mentor and counsel staff.
● Ensure efficiency of operations.
● Perform supervisory/managerial responsibilities such monitor auditor production and quality metrics.
Promontory Risk Review, Denver, CO - AML Analyst
DEC 2013 - JAN 2016
● Gathers, analyzes, and interprets data related to the scope of the project.
● Monitoring high-risk activities to ensure clients comply with company policies.
● Investigate and assess alerts for potential money laundering risks.
● Supports projects involving strategic qualitative analysis, financial quantitative analysis, and research.
● Proficient with the following systems: Hogan, Actimize, Bomgar, and DOS based systems.
Nationstar Mortgage, Centennial, CO - Jr Underwriter/Loan processor JUL 2012 - JUL 2013
● Adhere to investor guidelines such as FHLMC, GNMA and FNMA.
● Responsible for processing loans from set-up to close by verifying, compiling and entering borrower information into loan processing systems.
● Verify income, calculate debt-to-income, review post LTV and back-end ratio.
● Systems I have encountered in this position are AUS, LMS, iSeries, LandSafe and Bank of America intranet software.
● Analyze W-2, pay stubs, 1040, 1099's, K-1's, bank statements, balance sheets, profit and loss statements and capital gain analysis. EDUCATION
Regis University, Denver - Bachelor of Science. Finance JAN 2012 - MAY 2016
SKILLS
● Excellent computer skills.
● Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.
● Attention to detail
● Property analysis
● Fraud detection
● Evaluate loan documents to ensure accuracy and completeness.
Contact this candidate