Loan Processor Service Representative

Tina M. Thurman

**** ***** *****, ***** ** *****

209-***-**** ***************@*****.***

QUALIFICATIONS:

Willingness to learn and a strong sense of urgency coupled with 25+ years of mortgage experience, and 8 + years of Banking experience. Excellent attention to detail, written, verbal and analytical skills. Strong mathematical and computer skills. Superior internal/external customer service skills. Ability to multitask and work in a fast paced environment with a high volume of productivity. Ability to work independently, as well as part of a team.

PROFESSIONAL EXPERIENCE

3/2022 – 7/2022, Non-QM Underwriter I/Conventional Underwriter II, PRMG

Review Agency and NON- QM Loans. Including DSCR, Asset Depletion and Bank Statement loans. Ability to make sound underwriting decisions on loans regarding the credit worthiness of Borrower(s). Relay these decisions in a professional manner to Managers, Brokers, Account Executives and Internal Staff. Capable of underwriting a minimum of at least 2 loans per day. Review and sign off all conditions as needed per Loan Approval. Ensure loan meets all company and investor standards. Ensure Accuracy of Encompass, AUS, 1008 and 1003 at time of underwriting approval. Evaluates appraisals and prelims to determine the property meets investor requirements. Evaluate Data Verify Findings and conditions the loan accordingly. Respond to QC findings as needed.

6/2020 – 2/2022, Remote Senior Underwriter, NewFi Lending

Manually Non-QM, Non-Conforming, Jumbo and Agency Loans. Ability to make sound conventional underwriting decisions on loans regarding the credit worthiness of Borrower(s). Relay these decisions in a professional manner to Managers, Brokers, Account Executives and Internal Staff. Capable of underwriting a minimum of at least 2 loans per day. Review and sign off all conditions as needed per Loan Approval. Ensure loan meets all company and investor standards. Ensure Accuracy of LQB, AUS, 1008 and 1003 at time of underwriting approval. Evaluates appraisals and prelims to determine the property meets investor requirements. Evaluate Data Verify Findings and conditions the loan accordingly. Respond to QC findings as needed.

12/2019-3/2020, Senior Investor Relations Underwriter, LoanStream Mortgage

Work with AMC to clear Underwriter, post-closing credit and compliance Exceptions for Non QM Loans. Using Encompass Software.

8/2017 – 12/2019, Remote Senior Underwriter, NewFi Lending

Manually Non-QM, Non-Conforming, Jumbo and Agency Loans. Ability to make sound conventional underwriting decisions on loans regarding the credit worthiness of Borrower(s). Relay these decisions in a professional manner to Managers, Brokers, Account Executives and Internal Staff. Capable of underwriting a minimum of at least 2 loans per day. Review and sign off all conditions as needed per Loan Approval. Ensure loan meets all company and investor standards. Ensure Accuracy of LQB, AUS, 1008 and 1003 at time of underwriting approval. Evaluates appraisals and prelims to determine the property meets investor requirements. Evaluate Data Verify Findings and conditions the loan accordingly. Respond to QC findings as needed.

9/2015 – 8/2017, Remote Conventional Underwriter, First California Mortgage Company

Authorized to underwrite Conventional Conforming Loans up to $ 417,000. Ability to make sound conventional underwriting decisions on loans regarding the credit worthiness of Borrower(s). Relayed these decisions in a professional manner to Managers, Brokers, Account Executives and Internal Staff. Capable of underwriting a minimum of at least 2 Conventional loans per day. Reviewed and signed off all conditions as needed per Loan Approval. Ensured loan meets all company and investor standards and the accuracy of IHM, AUS, LT and 1003 at time of underwriting approval. Evaluated appraisals and prelims to determine the property met investor requirements. Evaluate Fraud Guard Findings and conditions the loan accordingly. Respond to QC findings as needed.

1/2012 – 9/2015, Remote Senior Underwriter, CMG Financial

Authorized to underwrite Conventional Core and HARP Products. Knowledge of FNMA & FHLMC Underwriting Guidelines. Completed three page procedural checklist to assure loan eligibility and Data Integrity. Reviewed and analyzed appraisals for value. Reviewed all property documentation (preliminary title report, sales contract, and flood insurance) Analyzes credit, Income Documentation, Tax Returns, Assets, and LTV/CLTVs in accordance to CMG financial Policies, Procedures and Guidelines. Underwrote loans to borrowers with more than 4 financed Properties. Knowledge of “Data Trac” Proficiency with MS Excel, MS Word, Desktop Underwriter, Loan Prospector and Calyx Point. During my employment with CMG, I underwrote over 6,000 loans.

1/2010 – 1/2012, Underwriter, Cherry Creek Mortgage

4/2009 – 10/2009, Customer Service Representative, RPM Mortgage

12/2005 – 9/2008, Underwriter, Main Street Bank

07/2004 – 7/2005, Sr. Loan Processor, First Residential Mortgage Company

05/2003 – 7/2004, Sr. Loan Processor, First Priority Financial

10/2002 – 05/2003, Sr. Loan Processor, DHI Mortgage Company

8/1998 – 10/2002, Sr. Loan Processor, Greenpoint Mortgage Funding

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