Irene Franco

Email: adrgt2@r.postjobfree.com

Phone: 951-***-****

Summary: I’m currently looking for a Remote Underwriting position. I have experience in FNMA, FREDDI MAC, USDA, Non-Del, wholesale, retail, credit unions and portfolio, being organize, reading documents, keeping logs, meeting guidelines, doing research, follow up, scan documents and keeping records. I have worked in Mortgage Underwriting for a good number of years, good in problem solving, ability to meet guidelines and audits, have train team members, good customer service with customers and with co-workers.

Professional experience and relevant training:

Stearns June 2015-March 2022

Loan Underwriter

Underwrite - Retail, Wholesale, portfolio, Credit Union, USDA and Correspondence-Using LP, DU and USDA following overlays and guidelines. Review 1003, credit reports, bank statements, income documentation, taxes, business tax returns, appraisals, preliminary reports, purchase contracts and tax transcripts. Work with loan processors, loan reps, QC, Doc Prep, funders, closers, and shippers.

Lenox Nov 2014-June 2015

QC-Specialist

Audit-Withdrawn-Canceled-Denied-loans-review-all kinds of loan products-making sure that all decisions are correct, have all the proper documentation in the files, making sure all HMDA has been properly completed before sending out the adverse factor out to the borrower within 30 days. I also, do review before funding-making sure that the file meets guide lines, loan programs, DU/ LP and is within compliance, review venders and opt out.

Golden Empire Mortgage 2014

Loan Rep. Assistance

Set-up loans, pre-process loans [double check income, review items and make a list of items missing, order 4506-t, order Social Security Validations, order VA certifications, send out for verifications of employments, verifications of mortgage, verification of deposit, run credit reports, put files on the system], call borrowers to get items that are needed to submit the loans to processing and I have worked on FNMA, FHA and VA loans.

Amerisave

Loan Underwriter –Remote-FNMA/DU 6/2012-3/2013

I review credit, run ratios, review appraisal reports, preliminary reports, escrow, income documentation, bank statements’, purchase contracts, making sure that it meets guidelines, over lays and meets investor’s guidelines.

Wells Fargo

Loan Underwriter 3 11/2010-6/2012

I review credit, run ratios, preliminary reports, escrow, income documentation, bank statements’, purchase contracts, making sure that it meets guidelines.

Wachovia Bank 07/1990 –10/2008

Loan Underwriter-Quality Assurance Manager-Internet

I have experience in reviewing credit reports, ran ratios, work with loan–to-value, appraisal reports, preliminary reports, escrow, income documentation, banks statements, made sure that all information has been satisfactory with company policies, detecting fraud, gather information to make the right decisions, explain my reasoning for my decisions, worked with DU, work well with customers/co-workers, loan officer and management, have train team members.

Corona Norco Adult School 12-17-2008

Accounting Certificate

World Savings-San Antonio Campus

Certified in Underwriting Certificate

Institute of Mortgage and Financial

Training Inc. American Processing Institute

Processing Graduate/Certificate

Valley High School Graduate

General Education