Roberta Lea Martinez

***** ******* ***., ******* ** 91381 323-***-****

adrteg@r.postjobfree.com

OBJECTIVE

Seeking position with growth potential and challenges with a company offering job stability. As Sr. Mortgage Underwriter I am known for strength in risk assessment income/credit analysis, collateral and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming, nonconforming, Portfolio & No-QM products. Work sufficiently independently as well in a Team Environment. SKILLS

30 + years mortgage underwriting experience/Credit & Income Analysis/Cash-Flow Analysis/Risk Assessment/Self- employed tax analysis/Collateral Analysis/Conventional, Conforming & Non- Conforming Mortgages/Manuel Underwriting/Forensic and Quality Control Underwriting/Underwriting Refinance and Purchase Transactions Software Experience- Fraud Guard, AIQ, Status Mart, Citrix, Lending QB, Encompass, Loan Soft and Blitz WORK EXPERIENCE

Sr. Non-QM Underwriter Retail, Wholesale & Correspondent 7/2021 to 6/2022

First Guaranty Mortgage Corporation-Plano Texas

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions Conventional, Jumbo, Super Jumbo, Non-QM & HELOCS Assists in clearing post-closing issues to adhere to Investor Guidelines Performs Manual Underwriting and Credit Analysis with Automated AUS System Exhibits excellent time management. Plan and organizes effectively to achieve 2 decisions pers day along clearing necessary conditions for clear to close

Sr. Loan Underwriter- Retail

3/2020 to 4/2021

Guaranteed Rate Chicago, ILL

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions Conventional, High Balance & Jumbo Performs Manual Underwriting and Credit Analysis with Automated AUS System Exhibits excellent time management. Plan and organizes effectively to achieve 2 decisions pers day along with clearing necessary conditions for clear to close Sr. Loan Underwriter-Correspondent Lending

07/2019 to 2/2020

Provident Lending Glendale, CA

Reviews & analyzes loan for Income, Collateral and Credit Analysis for Underwriting decisions Responsible for all post-closing issues arising for sale to secondary markets Underwrites to all types of loan transactions conventional, Jumbo, Non-QM & Super Jumbo products Exercise’s good judgement and decision-making skills using a risk-based Approach Provides mentoring and training for all staff members including sales on current guideline & procedures Performs Manuel Underwriting and credit Analysis with Automated AUS System Underwriting Manager-Correspondent Lending

08/2018 to 05/2019

Simply-Loans-Glendale CA

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Responsible for day-to-day operations consisting of Loan Opener, Processor, Underwriter & Funder Underwrites to all types of loan transactions conventional, Jumbo, Non-QM & Super Jumbo products Identifies and structuring of loan scenarios & Calculates risk to company and Industry standards Provide mentoring and training for all staff members including sales on current guideline & procedures Sr. Loan Underwriter-Wholesale

08/2017 to 07/2018

The Money Source-Melville, New York

Reviews and analyzes loan files submitted to ensure file meets loan program requirements. Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions conventional, Jumbo & Super Jumbo products Performs Manual Underwriting and credit analysis without automated underwriting systems Underwrites 2-3 files per days, clears conditions for funding, prior to Doc and suspense Sr. Underwriter- Retail

08/2015 to 04/2017

California Credit Union-Glendale, CA

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions conventional, Jumbo, Portfolio & Super Jumbo products Performs Manual Underwriting and credit analysis without AUS Sr. Underwriter-Correspondent Lending

01/2015 to 08/2015

Platinum Mortgage-Carson, CA

Underwrites to all types of loan transactions conventional, Jumbo & Super Jumbo products Identifies and structuring of loan scenarios & Calculates risk to company and Industry standards Underwriting and credit analysis without automated underwriting systems Underwrites 2-3 files per days, clears conditions for funding, prior to Doc and suspense Sr. Underwriter Remote Contractor-Wholesale

01/2014 to 01/2015

California Mortgage Services-North Hollywood, CA

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Underwrites to all types of loan transactions conventional, Jumbo & Super Jumbo products Performs Manual Underwriting and credit analysis without automated underwriting systems Underwrites 2-3 files per days, clears conditions for funding, prior to Doc and suspense Mortgage Underwriter-Retail

03/2011 to 11/2013

Bank of America- Pasadena, CA

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions conventional, Jumbo, Portfolio & Super Jumbo products Underwrites 3 files per day, clears conditions for CTC and Suspense items EDUCATION

Arroyo Grande High School

Graduated 1984

Arroyo Grande, CA

1980 to 1984

Pro-schools

Licensed Mortgage Loan Originator (inactive)

Online Course

2013

References Available Upon Request