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VICTOR C. DIONISIO

***** ****** ****

NORTHRIDGE, CA 91324

818-***-**** / adrgzz@r.postjobfree.com

Experience:

September 2019 – June 2022 Senior Underwriter - Remote New American Funding

• Underwrites insurable FHA loans within guidelines in FHA Handbook 4000.1.

• Underwrites residential mortgage loans to investor and agency guidelines for all conventional products.

• Completed prequals for both conventional and FHA home purchase transactions.

• Experience with Encompass loan operating system.

• Established a strong working relationship with loan officers, processors, managers, and upper management for structuring new deals, and restructuring of loans already in the pipeline.

• Ability to calculate various income types from basic wage or salaried positions, to complex tax returns for self-employed borrowers.

March 2017 – August 2019 Senior Underwriter Provident Lending Group

• Underwrites residential mortgage loans to investor and agency guidelines for conventional, jumbo and FHA.

• Underwrites Non-QM products of all types for various delegated and non-delegated investors.

• Experience with Encompass loan operating system.

• Leads the organization in structuring new deals, restructuring existing deals to make them work, and maintains a solid relationship with all loan officers, managers, VP’s, and owners as the main “go to” to make deals work.

• Ability to calculate various income types from basic wage or salaried positions, to complex tax returns for self-employed borrowers, as well as Non-QM calculations dealing with 12 or 24 month bank statements. May 2017 – January 2018 Mortgage Underwriter U.S. Bank

• Underwrites residential mortgage loans to investor and agency guidelines for conventional, jumbo, and portfolio products

• Experience with Net Oxygen (Net-O) loan operating system with DocVelocity for document viewer.

• Builds and maintains a strong working relationship with sales, sales managers, and regional VP’s by consistently meeting published turn times.

• Able to calculate all incomes from wage or salaried, to complex tax returns for self-employed borrowers.

• Effectively communicates loan detail with verbal and written communication through phone, email, or in person.

April 2015 – January 2017 Mortgage Underwriter Prospect Mortgage, LLC

• Underwrites residential mortgage loans to investor and agency guidelines for conventional products

(Fixed, ARM, DU Refi Plus, MyCommunity, Home Ready, etc.), Jumbo loan products to investor guidelines (Penfed, Chase, Wells Fargo, Everbank), government FHA, and bond loans certified with CalHFA, Nevada and Arizona.

• Experience with Encompass loan operating system, and Prospect Mortgage’s own proprietary PRONET LOS through Net Oxygen together with Blitzdocs Imaging Solutions.

• Builds and maintains a strong working relationship with sales, sales managers, and regional VP’s by consistently meeting published turn times.

• Able to calculate all incomes from wage or salaried, to complex tax returns for self-employed borrowers.

• Effectively communicates loan detail with verbal and written communication through phone, email, or in person.

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April 2014 – April 2015 QA Underwriting Manager Mega Capital Funding, Inc.

• Successfully led the organization through the approval process on the quality control side to become a HUD direct lender with Fannie Mae.

• Leads the team in the review of 10% of all pre-funded loans and 10% of post-closing loans needed for accurate reporting of Fannie Mae grosquds and net defect rates.

• Generates all of the Fannie Mae required audit reports, underwriter scorecard (production), and underwriter quality reports for the president.

• Identifies trends within the underwriting team and implements changes to process for improvement.

• Handles investor suspense items, clearing and curing loans for purchase.

• Meets regularly with the underwriting team to go over popular trending topics, updating them on agency and portfolio guidelines changes, investor suspense items, and answers questions about our underwriting processes.

• Provides training to new underwriters and underwrites the overflow of newly submitted wholesale loans.

• Assists brokers, account executives, account managers, upper managers and underwriters with underwriting questions and scenarios.

Jun 2012 – Sept 2013 Sr. Underwriter – Retail Lenderfi, Inc

• Performed underwriting of residential loans to investor guidelines for conventional, agency, super- conforming, FHA and jumbo loans using the Calyx Point and Net Oxygen loan operating systems (LOS). These loans included HARP and HAMP (Making Homes Affordable) loan programs.

• Advanced knowledge with Fannie Mae DU and Freddie Mac LP automated underwriting systems.

• Possesses a comprehensive knowledge of underwriting guidelines, restrictions and investor overlays for all loan programs.

• Advanced knowledge in determining cash flows with complex tax returns by calculating both manually and using cash flow analysis.

• Performed credit, income analysis, collateral review, and quality control compliance. Jul 2010 – Jun 2012 Analyst – QA/QC Bank of America

• Performed quality assurance underwriting of residential mortgage loans for GSE, Mortgage Insurance, Private Label Securities, and Private Investor.

• Reviewed loans that defaulted under the HAMP (Home Affordable Mortgage Program). Advanced knowledge with Fannie Mae DU and Freddie Mac LP automated underwriting systems.

• Possesses a comprehensive knowledge of underwriting guidelines, restrictions and investor overlays for all loan programs.

• Advanced knowledge in determining cash flows with complex tax returns by calculating both manually and using cash flow analysis.

• Performed credit, income analysis, collateral review, and quality control compliance. Jul 2007 – Jun 2010 Sr. Underwriter Bank of America

• Performed internal quality control (QC) underwriting review of Fannie Mae, Freddie Mac, Jumbo, Super- jumbo, VA, and FHA loans for all loan origination segments throughout the organization. Included QC review of modified loans under the Making Homes Affordable (MHA), or HAMP loan programs.

• Reviewed loans to ensure they met Countrywide Bank’s investor guidelines and credit standards. Also conducted quality control review of first payment default and early payment defaulted loans for fraud and other various misrepresentations.

• Up to date knowledge of the most recent fraud trends.

• Assisted in the underwriting of Fannie Mae, Freddie Mac, jumbo, super-jumbo, Rural Housing, and state- specific Bond loans for the wholesale division.

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• Recommended loans for modification if the borrower met the criteria.

• Experience working with High Net Worth clients.

Feb 2005 – May 2007 Sr. Underwriter - Wholesale No Red Tape Mtg

• Underwrote Jumbo and Super-jumbo loan products with $1,000,000 signing authority.

• Jumbo and Super Loans upwards of 5Million as a team.

• Experience underwriting for High Net Worth Individuals.

• Worked with brokers, account executives, account managers, and senior executives to effectively coordinate a smooth transaction from application to funding. March 2002 – Feb 2005 Underwriter – CLD Countrywide Home Loans

• Performed pre-purchase reviews in accordance with Countrywide’s reps and warrants, assessing the amount of risk for potential purchase from approved originators.

• Loan products included A-paper Fannie Mae, Freddie Mac, jumbo, super-jumbo, VA, and FHA loans. Certifications and Education:

FHA Direct Endorsement Underwriter: CHUMS #IJ24

Master of Business Administration (MBA) – December 2013 University of Phoenix, Woodland Hills, CA

Bachelor of Business Administration (Specializing in Management Information Systems) – December 2001 Our Lady of the Lake University, San Antonio, TX

FHA Loan Underwriting – January 2010 & November 2012 American School of Mortgage Banking – Loan Processing – March 2003 Countrywide Home Loans – Underwriting – May 2003

Publications and Awards (if applicable):

November 2005: No Red Tape Mortgage - Top Producer February 2006: No Red Tape Mortgage – Top Producer January 2010: Awarded with zero QC errors in 2009 at Bank of America Home Loans, corporate QC Division

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