Edmund Joseph Apelo

**** **** ******, ****** ** *0205 303-***-****

adrfg3@r.postjobfree.com

Experience:

February 2021-Present First Western Trust Denver, CO (remote)

*Mortgage Underwriter III

VA, FHA and Conventional Underwriter for a retail center. Mainly concentrate on underwriting VA, FHA and conventional purchase and refinance transactions in a paperless system. Review loan files to ensure borrowers qualify on the credit and collateral portions (income, assets, appraisal and title). Hold LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter.

April 2020-February 2021 Home Point Financial Wholesale Denver, CO (remote)

*Senior Underwriter

VA, FHA and Conventional Underwriter for wholesale lender. Mainly concentrate on underwriting VA and FHA purchase, cash out, and IRRRL and occasional conventional purchase and refinance transactions in paperless system. Review loan files to ensure borrowers qualify on the credit and collateral portions (income, assets, appraisal and title). Hold LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter.

May 2017-April 2020 Loan Depot Wholesale Denver, CO (remote)

*Underwriter IV

VA, FHA and Conventional Underwriter for wholesale lender. Mainly concentrate on underwriting VA and FHA purchase, cash out, and IRRRL and occasional conventional purchase and refinance transactions in paperless system. Review loan files to ensure borrowers qualify on the credit and collateral portions (income, assets, appraisal and title). Hold LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter.

January 2017-May 2017 On Q Financial Inc Denver, CO

*Mortgage Underwriter II

VA, FHA and Conventional Underwriter for a retail center covering the Northwest Region. Mainly concentrate on underwriting VA, FHA and conventional purchase and refinance transactions in a paperless system. Review loan files to ensure borrowers qualify on the credit and collateral portions (income, assets, appraisal and title). Hold LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter.

February 2016-October 2016 First California Mortgage Company Denver, CO (remote)

*Mortgage Underwriter II

VA, FHA and Conventional Underwriter for a retail center covering the Rocky Mountain Region. Mainly concentrate on underwriting VA, FHA and conventional purchase and refinance transactions in a paperless system. Review loan files to ensure borrowers qualify on the credit and collateral portions (income, assets, appraisal and title). Hold LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter.

May 2015-February 2016 Colorado State Bank & Trust Denver, CO

*Mortgage Underwriter II

VA, FHA and Conventional Underwriter for a retail center covering Colorado, New Mexico, Arizona, and Kansas territories. Mainly concentrate on underwriting VA, FHA and conventional purchase and refinance transactions in both paper (Unify) and paperless (Net-O) systems. Review loan files to ensure borrowers qualify on the credit and collateral portions

(income, assets, appraisal and title). Hold LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter.

January 2015-May 2015 Loan Depot Wholesale Denver, CO (remote)

*Underwriter IV

VA, FHA and Conventional Underwriter for wholesale lender. Mainly concentrated on underwriting VA and FHA purchase, cash out, and IRRRL and occasional conventional purchase and refinance transactions in paperless system. Review loan files to ensure borrowers qualify on the credit and collateral portions (income, assets, appraisal and title). Held LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter. October 2011-December 2014 Wells Fargo Home Mortgage Denver, CO

*Consumer Loan Underwriter 3

VA, FHA and Conventional Underwriter for a fulfillment center covering Missouri, Kansas, Utah and Colorado territories. Mainly concentrate on underwriting VA and FHA purchase, cash out, and IRRRL and occasional conventional purchase and refinance transactions in both paper (LIS) and paperless (CORE) systems of Wells Fargo. Review loan files to ensure borrowers qualify on the credit portion (income, assets and title). Held LAPP (010625) and CHUMS (W356) designations as a VA and FHA underwriter. April 2011-October 2011 Nationstar Mortgage LLC Denver, CO

*Account Executive

Account Executive in the Colorado market for a prime wholesale lender specializing in conventional conforming, non-conforming and government loans. With a background in government underwriting, I mainly promote Pinnacle Capital Mortgage’s very competitive pricing and guidelines on VA, FHA and USDA/GRH loans. My monthly production is typically 60% government and 40% conventional.

September 2010-February 2011 Pinnacle Capital Mortgage Corp. Denver, CO

*Account Executive

1 of 2 account executives in the Colorado market for a prime wholesale lender specializing in conventional conforming, non-conforming and government loans. With a background in government underwriting, I mainly promote Pinnacle Capital Mortgage’s very competitive pricing and guidelines on VA, FHA and USDA/GRH loans. My monthly production is typically 60% government and 40% conventional.

June 2008-September 2010 Wells Fargo Home Mortgage Denver, CO

*Account Executive

1 of 2 account executives in the Hawaii market from June 2008 through August 2009; 1 of 7 account executives in the Colorado market from September 2009 to present for a prime wholesale lender specializing in conventional conforming and government loans, as well as the reverse mortgage and small balance commercial loan. With a background in government underwriting, I mainly promote Wells Fargo’s very competitive pricing and guidelines on VA, FHA and USDA/GRH loans. My monthly production is typically 60% government and 40% conventional.

February 2008-June 2008 Just Mortgage Inc. Honolulu, HI

*Account Executive

1 of 2 account executives in the Hawaii market for a prime wholesale lender based out of Rancho Cucamonga, CA specializing in “Just ALT-A” SIVA and SISA programs, as well as the conforming and non-conforming full documentation and “Just Portfolio” programs. With a background in government underwriting, I also assist brokers in processing and originating FHA loans under the company’s (Just Mortgage Inc) retail umbrella. October 2005-February 2008 MortgageIT, Inc. Honolulu, HI

*Branch Manager

Managed a wholesale branch which consisted of 10 sales and 20 operations employees. MortgageIT’s niche was the ALT-A, VA, FHA, as well as conforming and non- conforming fixed products. The branch’s main goal was to provide the best pricing, customer service and turn times to compete with the leading established competitors in the state of Hawaii. The branch was consistently the #2 wholesale lender in funding volume (behind only to Countrywide) in the state of Hawaii since its opening in October 2005 until its demise in early 2008; funding an average of $65 million per month. May 2002-July 2005 Countrywide Home Loans Honolulu, HI & Seattle, WA

*Branch Manager

Managed the Honolulu wholesale branch from December 2003 until July 2005. At the time of my departure, we were funding 595 units with a total dollar volume of $170 million. The branch grew from 5 operations staff members to 20 and from 300 units per month for $60 million to the $170 million from December 2003 until my departure.

Underwriting supervisor of a 15-person department in the Seattle wholesale branch from May 2002- November 2003, overseeing daily underwriting functions on conventional and government loans. January 2000-April 2002 ASD Financial Denver, CO

*Partner/Co-Owner

Loan originator and co-owner of a mortgage brokerage shop specializing in sub-prime and prime loans, conventional and VA loans. Funded an average of $8 million per month. October 1996-January 2000 Countrywide Home Loans Seattle, WA & Denver, CO

*Underwriter and Assistant Branch Manager (ABM)

Operations supervisor of a 12-person wholesale branch in Denver, CO as well as assistant to the branch manager on daily operational decisions. As assistant manager, my main focus was underwriting, but workload shifted where assistance was necessary as in funding, processing, or even in sales. Prior to being promoted as ABM in August 1998, I was the conventional, FHA and VA underwriter in both the Denver, CO and Seattle, WA branches. November 1995-October 1996 New America Financial Denver, CO

*Underwriter

Conventional underwriter of a wholesale lending branch consisting of 3 account executives and 5 operations employees.

November 1994-November 1995 First Franklin Financial Denver, CO

*Funder & Underwriter

Funder and later underwriter for a wholesale branch consisting of 2 account executives and 4 operations employees.

June 1993-November 1994 First City Financial Denver, CO

*Loan Processor

Loan processor for a loan originator with a volume of $10 million per month, specializing in conventional, construction, and land loans. At times, I assisted in originating loans when he was unavailable to conduct the application interview with the borrowers. May 1992-June 1993 Factual Data Corporation Denver, CO

*Mortgage Credit Reporter

Credit reporter for a credit agency specializing on mortgage credit reports catering to mortgage brokers and retail mortgage loan offices. Reviewed and completed full credit reports for consumers applying for mortgage loans. Verified, updated trade lines as needed and completed verification of employment, rental or mortgage not showing on credit report. June 1986-May 1992 United States Army

*Personnel Administration Specialist

Worked at a Personnel Administration Center processing leaves, earnings, or any requests or inquiries made by soldiers in the battalion. Reported daily status of the battalion to division, such as total of soldiers on duty, on leave or absent without leave or any critical data on need-to- know basis. Processed promotions, awards, or any personnel action requested by commanders, non-commissioned officers in charge within the battalion. Education:

September 1982-May 1986 Chaparral High School Las Vegas, NV *Scholar’s Diploma Graduate; Honors Graduate with 3.66 GPA

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