Mortgage Underwriter Loan Review

Peter Smith

Lindenhurst, NY *****

adrqvt@r.postjobfree.com, 516-***-****

Objective: Senior Loan Review Analyst Mortgage Underwriter

Experience in full data analysis business for over many years.

Work Experience

Senior Mortgage Quality Control Underwriter, • Quality control department, Compliance Manager

PPS Industries 2006 to present - Sr. Mortgage Forensic Due Diligence Auditing Underwriter: Risk Statistician

• Many years in the mortgage banking business

• Truth in Lending Act (Reg Z), Equal Credit Opportunity Act (Reg B), Fair Credit Reporting Act (Reg V),

UDAAP, Gramm-Leach-Bliley Act (Reg P), the Fair Debt Collections Practices Act, and all other banking standards.

• Underwriting all facets of loans; Jumbo, Super Jumbo, Commercial; Mixed Use, Investment, Short sale properties

• Manual, Purchase, Refinance, Reverse, Construction, & Bridge

• Conventional, FHA, conforming, & non-conforming, QM, & Non QM

• Fannie Mae, Freddie Mac, VA guidelines adhered to

• USDA, GSE

• Loan limit $10,000,000; FICO score 620 & under (case by case)

• Self-employed, Sole Proprietor, LLC/LLP, Partnership(s), Corporations, Subchapter S Corp., Trust, & Wage earner (w-2), salaried, P&L, Bank Statements.

• Appraisal, Title & UCC filings review

• Early payment default investigation skills (EPDs)

• Contract Underwriter/Processor; All types of loan categories involved.

• Pipeline Management

• Approved or Declined buildings in aggregate due to current financials & insurance policy documents once reviewed. {Condominiums and Cooperatives}

Education: State University of New York at Old Westbury

Bachelor of Science Degree – Finance and Banking

Nassau Community College AAS – Business Administration in Finance

Computer skills: Microsoft EXCEL, MS OFFICE, MS WORD, MS WINDOWS Outlook, AS400, PEACH TREE, SAGE, QUICK BOOKS.

Systems: LOS, AUS; DO, DU, LP, Calyx,Core logic, Encompass, Fiserv, Cenlar, Nexis Lexis, Interthinx, Mavient, Fraud Guard

Skills

• Financial Analysis

• Fair Housing Regulations

• Cash Flow Credit Analysis

• Financial Statistical Concepts

• Time Management

• Accounting

• Underwriting

• Quality control

• Internal audits

• Business Analysis

• Financial Report Writing

Certifications and Licenses

Notary Public

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