Underwriter Mortgage Loan
Resume:
Cell 760-***-****
San Diego, CA 92101
***********@*****.***
Consuelo Lay
Objective: To achieve employment within a company where my knowledge and skill will have valuable application.
Skills: Mtg. Software ( Uniform, Genesis, Point, DU, LP, Easy Writer I & II, Data Trac, Access & Morvision), Fidelity, Workout Pro. II, LPS, LIFT, DocuTrac, Encompass, Lending QB; QM/ NON QM ; CHUMS, SAR
Work
History:
8/1 – CMG Financial
Present Underwriter
Responsible for underwriting Conv., VA, and FHA loans with a minimum pipeline of 30 loans per month. Duties would
Include reviewing credit, income, assets & collateral.
10/19 – Nova Home Loans Tucson, AZ 7/21 Underwriter
Underwriting Conv., VA, and FHA loans to meet the guidelines. Reviewing Income, Assets and Collateral.
8//17 – Greenbox Loans Los Angeles, CA
10//19 Team Lead/Sr. Underwriter
Responsible for underwriting Non-QM loans with a Pipeline of at least 40 loans monthly. Reviewing income, assets and
Collateral.
4/17- Bank of Internet San Diego, CA
8/17 Sr. Underwriter
Responsible for underwriting Conv., FHA, VA Loans for a Federal Bank with a Pipeline of 50 loans. Duties would
include Reviewing Income, Credit, Assets and Collateral.
10/16- Wholesale Capital Corporation Moreno Valley, CA
2/17 Sr. Underwriter
Responsible for underwriting Conv & FHA loans with a Pipeline of about 20 to 30 loans. Reviewed file to
ensure that loan meets guidelines for several different investors. Mentoring the processors and Jr.
Underwriters.
6/16- Bank of Internet San Diego, CA
10/16. Sr. Underwriter
Responsible for underwriting Conv. Loans for a Federal Bank with a Pipeline of 50 loans. Duties would include
Reviewing Income, Credit, Assets and Collateral.
4/15- JMAC Santa Ana, CA
6/16 Underwriter
Underwriting FHA and Conventional loans with a pipeline of 30 loans. Responsible for reviewing the creditworthiness of
Of the borrower approving the collateral. Completing 3 new underwrites a day and signing off on my conditions.
4/13 – Clear Vision Funding Charlotte, NC
2/14 Underwriter (DE)
Underwriting FHA Government Loans Streamlines and Full Doc for a Lender maintaining a pipeline of 40 loans a
month. Responsible for reviewing the creditworthiness of the borrower approving the collateral and logging the
appraisals.
9/12 – RFC Charlotte, NC
4/13 Underwriter II
Underwriting Conventional Loans for a Correspondent Lender funding about 30 to 40 loans monthly.
Responsibilities would include reviewing Credit, Income, Assets and Collateral as well as mentoring
the processors. In the process of being mentored to receive my DE to underwrite FHA loans.
1/12 – Goodmortgage.com Charlotte, NC
9/12 Sr. Underwriter
Responsible for Underwriting Conventional Loans for a Correspondent Lender with Delegation rights to
8 Lenders. Duties included underwriting retail loans, funding about 30-40 loans a month and mentoring,
the Processors & Loan Officers. Currently was mentored and completed FHA test cases to obtain my
DE to underwrite FHA Government Loans.
7/10- Home Savings of America Charlotte, NC
2/12 Sr. Underwriter
Responsible for underwriting Retail/Wholesale loan in a Prime Market. Underwrote loans to
Meet our 2 investors that we sold to and maintained a pipeline of 50 loans a month. Reviewed
Appraisals, Credit, Income, Assets & Title to determine borrowers creditworthiness.
8/09- Wells Fargo/Wachovia Charlotte, NC
2/10 Sr. Underwriter Level IV
Underwriting Prime loans in the Wholesale division reviewing credit, income, assets, title &
collateral. Ensuring guidelines are meet on approving loans and communicating findings to the
Account Executives and Brokers. Also reviewed the appraisal for the team due to me being a
Level IV underwriter and maintaining my pipeline of loans.
7/08- Wells Fargo Home Mortgage Charlotte, NC
12/08 Mortgage Loan Adjustor
Responsible for negotiating the loss on Freddie Mac Short Sale Properties. Task included
pulling credit, calculating the Net required to close a short sale, reviewing appraisals, working
closely with the Investor and Realtor & Handling a pipeline of 100 loans.
2/08- Wells Fargo Home Mortgage Fort Mill, SC
7/08 Sr. Underwriter Level IV
Underwriting prime loans on a 3 Step Refinance program signing off on higher risk loans.
Reviewing and approving the appraisal, calculating income and assessing overall risk.
Working closely with my team of 5 processors, SME and fellow underwriters.
10/06- The Bohan Group Irvine, CA
1/08 QC Underwriter
Responsible for reviewing files after loans have been closed in the Secondary Market to sure files meet Lenders
guidelines for purchasing . I am required to underwrite 8 loans per day reviewing HUD-1, Note, Mortgage/DOT, credit,
collateral & income
9/05- Lenders Direct Lake Forest, CA
10/06 Senior Underwriter
Managing a pipeline of 110 loans a month for a Subprime Lender in Wholesale Division on the
Florida team with single signing up to loan amounts of $400K and provide communication btwn. AE & Brokers.
2/04- Allstate Funding Irvine, CA
9/05 Senior Underwriter/Team Lead
Managing a pipeline of at least 80 loans at a Correspondent Lender and maintaining a position
Team Lead for the Wholesale Sub-Prime Division. I have a single signing capabilities and
Delegation rights to 6 investors. My duty is to assure my company that loans are underwritten
to guidelines and are able to be sold.
3/02- NovaStar Financial Lake Forest, CA
2/04 Underwriter
Subprime Underwriter in the Wholesale Div. responsibilities included on going comuni-
cations with Brokers & AE and underwriting no less than 5 loans a day. I was also the trainer
for the new Underwriters for the team teaching and helping them understand guides & system
1/00- Wells Fargo Home Mortgage Riverside, CA
3/02 Underwriter
Managed a pipeline of 70 Freddie Mac Conventional, DAP & Bond loans. Responsible
for decisioning A Paper loans reviewing credit, assets and property. Welcome an on going
communication with Home Mortgage Consultants, Borrowers and Funders.
Reference Available Upon Request
Contact this candidate