Mortgage Underwriter Lp
Resume:
Wanda Carter, USA
adqye5@r.postjobfree.com
Experience level in Mortgage Loan Underwriting, Loan Origination, Secondary Marketing, Financial Audit Review, Credit Risk Management, Forensic Review, Due Diligence, Conventional, VA IRRRL and knowledge of FHA Loans. Proficient with FNMA/FHLMC and Jumbo Investor guidelines as well as conforming & non-conforming lending. Experience with self employment income using schedules C, E, 1065, 1120 & 1120 S.
Proficient in use of industry tools, such as Desktop Underwriter, Loan Prospector, Pacer, Encompass, AS400, Calyx Point Plus, Real Quest, and other Artificial Intelligence and lender proprietary systems. Microsoft, Excel, PowerPoint & Word.
Ability to work in a fast paced environment, high production office and maintain good quality of work. Skill-sets include the ability to work well in cross-functional capacities. Background and skill-sets are global and include all sectors of lending (Conventional and Government) including, origination, compliance, credit risk, secondary marketing (mortgage-backed securities), investor repurchase review, rebuttal specialist, post-closing review, forensic and due-diligence review, fraud detection, legal review, quality control, and other related areas. In-depth understanding of loss mitigation.
URBAN FULFILLMENT 01//2022 - CURRENT - SR. MORTGAGE UNDERWRITER -Contract
● Reviewed 1065, K1, 1040 E & C, 1120 & 1120 S tax returns, to calculate income for Partnerships, Corporations and Wage Earners .Also completed credit package & Collateral or PIW audit ● Perform through audit of DU/LP (AUS) as well as MANUALl underwrites, if Refer generated. ● Maintain a working knowledge of secondary market, private investor & PMI underwriting G/L .
GUARANTEED RATE MTG – 2020 -2021 SR. MORTGAGE UNDERWRITER
● Reviewed tax returns, calculated income, completed credit package & Collateral or PIW audit ● Perform through audit of DU/LP (AUS) and generate pre-approval conditions when applicable ● Generate applicable conditions through encompass prior to clear to close letter ● Review title commitments & verify collateral positions are identified
● Maintain a working knowledge of secondary market, private investor & PMI underwriting G/L ● Run a Final (AUS ) DU/LP, and MI CERT, as applicable.
● QC my file, prepare a clear to close approval letter, clean up my encompass que, ● send the file to the closing processor.
CORELOGIC INC. - 2017 - 2020 ASSOCIATE CLIENT SERVICES
● Communicated with tax authorities to procure delinquent tax amounts
● Performed extensive and persuasive negotiations when dealing with clients ● Collected and analyzed information with attention to detail
● Managed multiple tasks & projects while adapting to changing conditions.
● Conducted conflict resolution in this role.
PENNYMAC MORTGAGE – 2014 -2017 SR. MORTGAGE UNDERWRITER
● Performed Underwriting of Conventional and FHA/VA mortgage loans.
● Approved or rejected residential loans within signing authority to one million. ● Analyzed borrower’s credit profile, collateral and capacity to repay the proposed mortgage. ● Ensured loans met company, agency, investor, and government guidelines. ● Accurately calculated borrower’s income and debt-to-income ratios.
● Managed a pipeline of loans to ascertain GSE/SLA dates, adhered to
guidelines.
RECOVCO MORTGAGE - 2012 – 2014 SR. FORENSIC UNDERWRITER
● Provided Sr. Management with a summary outlining deficiencies found during review. ● Audited files for legal liabilities with emphasis on misrepresentation of employment & assets. ● Utilized Application Software to perform duties including Pacer, Real Quest, Excel, & Word
JP MORGAN CHASE - 2009 – 2012 SR. MORTGAGE UNDERWRITER
● Performed Underwriting of Conventional and/or FHA/VA mortgage loans. ● Determined eligibility of borrowers based on credit findings
● Focused on FNMA / FHLMC guideline
● Underwriting decisions based on Conventional, HARP, and HARP REFI Plus guidelines
EDUCATION AND SKILL SUMMARY
Cedar Valley Jr. College Lancaster, Texas Vocation Degree – Legal
Specialist Executive Secretarial School - Dallas, Texas
HISTORICAL EMPLOYMENT SUMMARY
● One View workflow, Cisco and Talon
● 1992-1995 Short Sale Negotiator EMC Mortgage
● 1995-1997 Loss Mitigation Underwriter Countrywide Home Loans
● 1997-2002 Loss Mitigation /REO/Negotiator First Horizon Home Loans
● 2002-2007 Travel Due Diligence - Front Line/ Underwriter Bohan Group - ● 2007-2009 Short Sale/Loan Modification Negotiator Option One Home Loans
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