Customer Service Mortgage Underwriter

Annette O. Gardner

***** ***** ** (H) 980-***-****

Charlotte, NC 28278 *******.*********@*****.***

SUMMARY OF QUALIFICATIONS

Mortgage Underwriter and loan processor with wholesale lending experience in major financial service institutions. Expertise in conforming and non-conforming loans, prime/subprime products, and simultaneous 1st and 2nd loans. Excellent customer service and communication skills. Additional skills and strengths include:

Fair Housing/Fair Lending Guidelines

LP/DU Automated System

AUS400 System

Team Player

Detail Oriented

Excellent Organization skills

Proficient in Microsoft Office

PROFESSIONAL EXPERIENCE

QUICKEN LOANS 4/2012 - Present

FHA Underwriter

Review loans and render a credit decision

Resolve underwriting questions from processors and loan officers

Conduct final checks of conditions before final approval

Utilize various reports and other systems for efficiency

Partner with underwriting leaders on complex loan decisions

Submit mortgage applications and borrower information thru an AUS

Manage the application end to end through review of the AUS findings

ZENTA MORTGAGE 08/2009 - 4/2012

Wholesale Underwriter

Lending Authority $417K

Paperless Documents expertise

DE/DU AUS experience

Proof and analyze documentation submitted for lending decision

Successfully met required daily and monthly quotas and SLA’s

Loan underwriting for various products including FNMA

Verified documents received meet guidelines, products and programs

Provided professional customer service with internal staff and borrowers

Proficient in paperless documents

FIFTH THIRD MORTGAGE 4/2009 - 6/2009

Contract Underwriter

Wholesale

Lending Authority $750000

Paper Documents

LP/DU AUS

Reviewed documentation submitted for lending decision

Maintain standard loans required per day

Underwrote loans conforming, non-conforming, sub-prime and seconds

Responsible underwriting new loans to produce quality loans for FNMA/FHLMC

Verified documents received to guidelines, products and programs

Provided professional customer service to all brokers and internal staff

Proficient in paperless documents

WELLS FARGO HOME MORTGAGE 2/2009 - 3/2009

Contract Underwriter

Wholesale

Lending Authority $1M

Paper Documents

LP/DU AUS

Reviewed documentation submitted for lending decision

Maintain standard loans required per day

Underwrote loans conforming, non-conforming, sub-prime and seconds

Responsible underwriting new loans to produce quality loans for FNMA/FHLMC

Verified documents received to guidelines, products and programs

Provided professional customer service to all brokers and internal staff

Proficient in paperless documents

GE/CHASE 8/2007- 1/2009

Contract Underwriter

Wholesale Underwriting

Lending Authority $750,000

LP/DU AUS

Paperless Documents

Reviewed all appropriate documentation pertaining to lending decision.

Maintain a department daily standard of new loans per day requirement.

Underwrite for products including conforming, non-conforming, and sub-prime loans, and second mortgages.

Proficient at reviewing Stated Income and Stated Assets programs per loan requirement.

Proficient in paperless document and ordering MI.

Responsible underwriting new loan application to produce quality loans for FNMA/FHLMC.

WELLS FARGO HOME MORTGAGE 3/2003-4/2007

Conventional Underwriter

Underwriter Level 3

Wholesale Underwriting

Lending Authority $1M

LP/DU AUS

Paper Documents

Underwrote new loan applications for FNMA/FHLMC and Wells Fargo Home Mortgage.

Evaluate complex loans

Specialized in underwriting investor guidelines for Non-Conforming, Conforming, A Minus and Expanded Criteria programs and products

Counseled processors and account executives to match program parameters to customer needs

Assisted Mortgage Division in achieving corporate goals by exceeding and maintaining daily expectations

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