ANNA MARIA GONZALES

Chino Hills, CA *****

909-***-**** - adrq7k@r.postjobfree.com

PROFESSIONAL SUMMARY

Mortgage Underwriter

Expertise in Conventional, FHA Streamline, Freddie / Fannie Mae Loans and Verified Approvals for Pre-qual purchase loans and DE FHA in training Strength in risk assessment, income/credit analysis and documentation reviews for purchase, refinance loans, prequal loans for purchase and initial s/e reviews. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Experienced in identifying unacceptable risk and preventing fraud. Commended for the timely and accurate reviews of high risk loans for primary, second homes and investment properties. Customer service oriented. SKILLS

Freddie and Fannie Mae guidelines

FHA streamline and full doc

guidelines (in training)

Investor guidelines and Overlay

guidelines

Credit and Income Analysis

Cash Flow Analysis

Rental income guidelines

Debt to Income ratios

Conforming Loans and ARMS

Freddie Mac Home Possible affordable

loans

Fannie Mae HomeReady affordable

loans

Manufactured Loans

97% LTV Refi Options

High balance mortgage loans

7-10 properties / Multi family loans

Product matrix guidelines all products

WORK HISTORY

03/2015 to Current Underwriter II

MRCOOPER – Santa Ana, CA

Responsible for reviewing, evaluating, analyzing, denying and making loan eligibility decisions to mortgage loan applicants. Evaluating overall loan documentation for accuracy, completeness and compliant based on regulatory standards ensuring company overlay and investor guidelines are met

Review applicant's employment, income and financial history to help determine the accuracy of application and documents

Request additional information as needed on all documents to help determine loan risk

Review fraud feedback and aus feedback to ensure all required documentations have been received and provided as per guidelines

Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions

Reviews appraisal, title policies and insurance as per guideline requirements Provide a timely, precise and accurate review to processors and agents to meet deadline requirements

10/2011 to 03/2015 Mortgage Funder

MRCOOPER – Santa Ana, CA

Prepare final documentation and mortgage-closing packages for conventional, government and home-equity loans. Review loan files and title commitments to ensure loans are ready to close.

Managed and closed all assigned loans, enabling fast closings that were free from errors and issues.

Facilitated closing and disbursement for conventional, FHA and VA loans Gathered closing figures, input closing information and generated loan documentation.

Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents to complete loan submissions and set up closing date and time.

Generates, reviews and approves closing documents

Balance settlement statements with closing disclosures for accurate figures Review loan documents for accurate and consistent signatures and all required documents to ensure it meets federal/state regulatory requirements Setup and request wires

Verifies closing funds are from approved assets

Knowledge with dry/wet states requirements

01/2008 to 06/2011 Mortgage Funder

Prospect Mortgage – Rancho Cucamonga, CA

06/1998 to 10/2007 Mortgage Funder

IndyMac Bank – Covina, CA

EDUCATION

03/1988 BS Hotel And Restaurant Management

St Paul College - Quezon City, Philippines

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