Mortgage Underwriter

JOYCE M. ZUNIGA

*** ******* ****** ***** ******, NJ 08054

Cell: 856-***-****

************@*****.***

PROFILE

Dependable Operations Professional (DE Underwriter) with experience in the banking and mortgage industry who consistently have a perfect Quality Control score. Proven success in improving customer service and reducing loan turnaround time without sacrificing quality. Recognized as one of the top processors due to consistently exceeding goals. Knowledgeable in state of the art mortgage software.

PROFESSIONAL EXPERIENCE

Homebridge Financial Services-Iselin, NJ

2021-2022

Remote DE/Conventional/Non-QM Underwriter

•Underwrites FHA, Conventional and Non-QM loans.

•Review loan documents thoroughly ensuring there is no inconsistensies or fraud.

•Performs pre-QC review prior to submitting loans in for a Clear to close to the Quality Control Department.

•Experience with Encompass, Blue Sage, Blitzdocs and AIQ LOS.

•Works closely with Account Managers, Closers and Funders in getting files to the Closing table.

American Financial Resources-Parsippany, NJ

2010-2021

Remote DE/Conventional Underwriter

•Underwrites FHA and Conventional loans.

•Experience with Encompass LOS

•Knowledge in Manufactured homes

•Knowledge in processing VA, OTC and 203K loans.

•Works closely with Account Managers, Closers in getting files to the Closing table.

MLD MORTGAGE, Florham Park, NJ 2009

Loan Specialist

Maintains outstanding relationship with brokers and in-house Loan Officers by providing excellent customer service and quick turn-times.

•Processed and closed FHA and conventional loans in a timely manner.

•Maintained an average pipeline of 65 loans per month improving productivity Coordinates with the closing.

•Process loan for both the Wholesale and Retail departments.

UNIVERSAL MORTGAGE, Mount Olive, NJ

Senior Loan Processor

Processed loans in a quick and efficient manner for in-house loan officers.

•Processed and closed FHA and Conventional loans.

•Perform post-closing audit of closed file to ensure files are in compliance with HUD and state guidelines.

HOMECOMINGS FINANCIAL, LLC, Parsippany, NJ 2007

Underwriting Assistant

Establish an excellent working relationship with brokers by providing outstanding customer service and closing loans quickly in a paperless environment.

•Ensure that all files are complete and accurate before submitting to the Closing Department to avoid fines and penalties.

•Credited for providing excellent customer service to brokers, which increased new loan submissions.

•Improved customer service level by 20% through building strong relationships with brokers.

•Reduced reviewing conditions turn-around time by 50% which resulted in increasing loans closed and funded.

EQUITY ONE, INC, Parsippany, NJ 2005-2007

Mortgage Processor

Ensured loans were processed and closed in a timely manner and maintained excellent customer service.

•Processed and closed FHA, Conventional and Sub-prime loans, either as a broker or as a lender in 3 days, increasing loan volume.

•Recognized as one of the top processors of the company by consistently exceeding goals.

•Performed post-closing audit of funded files avoiding fines and penalties.

CU NATIONAL, Pine Brook, NJ 2003-2005

Mortgage Processor

Processed loans in a quick and timely manner ensuring accuracy and providing excellent customer service.

•In-charge of processing FHA, Conventional and Sub-prime loans received from credit unions.

•Maintained an average pipeline of 100 loans per month

•Chosen to process the largest credit union/client of the company, which resulted in more business.

•Closed 40-50 files monthly increasing customer satisfaction.

TRI-CO FEDERAL CREDIT UNION, Hackettstown, NJ 2002-2003

Teller

Ensured accuracy of every transaction and provided excellent customer service to members.

•Assisted members with all deposit and withdrawal transactions, which resulted in faster turn-around time.

•Balanced the vault book ensuring actual cash on hand equaled cash per books.

•Improved customer service by inputting checkbook reorders promptly.

PRODUCTION MORTGAGE, Anaheim, CA 2001-2002

Funder

Reviewed collateral packages ensuring timely closing and funding of loans.

•Reviewed FHA/Conventional & sub-prime loans, which increased loan fundings.

•Prepared collateral packages avoiding fines and penalties.

•Ensured loan closings by reviewing and approving conditions.

SPECIAL SKILLS

Bilingual-Tagalog

COMPUTER SKILLS

MS Word, MS Excel & Outlook Express

Prolender, Encompass, Point, Genesis, Empower and MortgageFlex Systems

Desktop Underwriting (DU) and Loan Prospectus (LP)

EDUCATION

ATENEO DE MANILA GRADUATE SCHOOL, Manila, Philippines

12 credits earned towards M.B.A.

UNIVERSITY OF SANTO TOMAS, Manila, Philippines

Bachelor of Science in Commerce, Major in Accounting

TRAINING

Customer Service

Telephone Courtesy

Participated in Branch Operations Training Program for Bank Officers

Conventional Underwriting Class-American School of Mortgage

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