Mortgage Underwriter Lp

K ELLY N AHSANG NDIFON

Loganville, GA. *****

470-***-**** – ************@*****.***

PROFESSIONAL SUMMARY

Analytical and accomplished professional with 3 years of experience in Mortgage underwriting, adept in risk assessment, income/credit analysis and documentation review, Consistent in commending for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality, Excellent soft skills, in communication, team building, time management and ability to manage expectations while working in a diversified environment. CORE COMPETENCE

● Trend Analysis

● Risk Assessment

● Credit & Income Analysis

● Cash-flow Analysis

● Debt-to-Income Ratios (DTI)

● Lending & Underwriting Guidelines

● Loan-to-Value Ratios (LTV

● Account Service Excellence

● Conventional & Government

Mortgages

● Documentation

● Time management

EXPERIENCE

Caliber Home Loans - Underwriter

Coppell, TX • 01/2021 - Current

WORK HISTORY

● Determined and documented loan conditions and

● communicated requirements and decisions

● Analyzed credit, income, compliance, title documents

● and appraisals during underwriting process

● Underwrites loans to verify for completeness, accuracy,

● and compliance, communicates with borrower to verify

● information and ensure that all required documents are

● provided

● Analyzed and calculated income documentation such as

● personal and business income statements and ensures all

● necessary documentation is requested to support final

● loan decisions

● Proficiency in automated underwriting systems (DU, LP)

● Underwrites first time home buyers' loan, refinancing

● and modifications

● Ensured loan submittals met internal and external

● eligibility requirements

● Reworks loans to new terms, identifies additional

● conditions as needed to insure a viable credit decision

● Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans

● Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions

● Followed through with borrowers, loan processors, loan originators and managed all phases of the underwriting process.

● Calculated group and individual renewal rates based on customers background, industry and demographic information.

● Analyzed credit, income, compliance, title documents and appraisals during the underwriting process.

● Review Conventional mortgages and defend lenders from FNMA, FHLMC and MI claims.

HomeRate Mortgage - Mortgage Underwriter

Chattanooga, TN • 09/2017 - 09/2020

● Compiled database of loan applicants' credit histories, corporate financial statements and other financial information

● Reviewed and edited loan agreements to promote efficiency and accuracy

● Recommended loan approvals and denials based on customer loan application reviews

● Demonstrated excellent follow up with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process

● Successfully closed average of 60 loans per month

● Maintained In and outbound calls with customers for requirement gathering and providing solutions to customer queries

● Originated, reviewed, processed, closed and administered customer loan proposals

● Maintained a great attention to detail in underwriting mortgages

● Evaluated the financial strength of borrowers to determine risk and repayment capacity

● Maintained compliance with lending, underwriting and government requirements.

● Compiled database of loan applicants' credit histories,

● corporate financial statements and other financial

● information

● Reviewed and edited loan agreements to promote

● efficiency and accuracy

● Recommended loan approvals and denials based on

● customer loan application reviews

● Demonstrated excellent follow up with borrowers, loan

● processors, loan originators and management throughout

● all phases of the underwriting process

● Successfully • closed average of 60 loans per month

● Maintained In and outbound calls with customers for

● requirement gathering and providing solutions to

● customer queries

● Originated, reviewed, processed, closed and

● administered customer loan proposals

● Maintained a great attention to detail in underwriting

● mortgages

● Evaluated the financial strength of borrowers to

● determine risk and repayment capacity

● Maintained compliance with lending, underwriting and

● government requirements.

EDUCATION

2015 Bachelor of Arts : Banking and Finance

University Of Buea - Cameroon

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