Mortgage Underwriter Customer Service

Yolanda (Joey)Elder

**** *. ***** **** ** *****

760-***-****) Cell

Email:**********@******.***

Summary of Qualifications:

Call Center Environment

Excellent communication skills

Bilingual (Spanish)

Summary of Qualifications:

Detailed oriented / Strong Organizational skills coupled with the ability to multi-task effectively

10 years of underwriting/processing and 3 as a loan officer

All types of loans

Excellent interpersonal skills promoting stellar customer service

Proactive Approach

Experience Profile:

10/2017 to Present Ditech/NewRez

Help customer service with the goal of getting loan applications, inbound an outbound calls.

Self-employment analysis with loan beam

Appraisal review

Conventional, Jumbo, FHA, VA

Analyze AUS findings, loan program parameters, occupancy, employment, income assets, credit report, and other credit documentation.

Work closely with underwriters to ensure files have been corrected prior to funding.

03/2015 to 06/2017 Amerisave Mortagage

Processor for conventional loans

Self-employment analysis

Appraisal Review.

Emphasis on quality while maintaining quick closings

Worked with closing and underwriting to get files done

Worked closely with audit to resolve minor issues.

3/2013-2015 Wipro

Underwriter

Fully responsible for conventional underwriting for both retail and wholesale lenders

Risk assessment for increased risk transactions including non-arms length, family sales, bank owned, and short sales.

Unique revenue analysis including income from trusts, royalties, annuities and dividend and interest payments.

11/2009 to 01/2013 Worked and studied for my masters degree

Reviewed, examined and underwrote loans to ensure soundness, business value and compliance with company’s standards.

Conventional decisions of purchases and refinances for primary, second home and investment properties.

Risk assessment for increased risk transactions including non-arms length, family sales, bank owned, and short sales.

12/98 to 04/2009 Contract Mortgage Underwriter—various assignments

Senior Contract Underwriter- Level IV

Fully responsible for conventional underwriting for both retail and wholesale lenders

Risk assessment for increased risk transactions including non-arms length, family sales, bank owned, and short sales.

Unique revenue analysis including income from trusts, royalties, annuities and dividend and interest payments.

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