Mortgage Underwriter Customer Service, Processor

Christine M. Morrealle

Objective: To obtain a full time position in the mortgage industry.

Skills Profile: Thirty-two years experience as a Mortgage Underwriter Two years experience as an Operations Manager

Experienced in underwriting Fannie Mae and Freddie Mac products (fixed rate, ARMS, Home Ready, Home Possible), Bi-weekly products and Jumbo products Strong customer service skills

Work Experience: 11/12/2001-04/24/2009 Rehired 10/31/2011-July/1/2022 Mortgage Underwriter

Mortgage Guaranty Insurance Corporation

PO Box 488, Milwaukee, WI 53201-0488

Reviewed credit reports, income and asset documentation, and appraisal reports to verify they met investor guidelines. Generated approval letters, mortgage insurance certificates, Underwriting Summaries, decline and suspense letters. Communicated with brokers and banks on existing loans. Reviewed approval conditions and cleared loans for closing, Spent April of 2019 through June 2022 as a dedicated Underwriter working with M&T Bank. Duties included reviewing loan files to verify they met Fannie Mae and Freddie Mac guidelines, updated loan information in Empower, completed appraisal appeal requests, generated mortgage insurance certificates, reviewed Data Verify reports and cleared any flagged items, worked with processing and loan officers on restructuring loans, if pended, and went over loan conditions on approved loans. 10/1999-10/2001

Operations Manager

Flaherty Funding Corporation

2595 Brighton Henrietta TL Road, Rochester, NY

Headed up the processing department, gathered loan documents from customers, input loan information into computer system, ordered appraisals and credit reports, and put loans together to ship to various banks for underwriting. In charge of running weekly production reports for staff meetings and handled mailings for marketing of the company.

06/1996-09/1999

Mortgage Underwriter

Intercounty Mortgage, Rochester, NY

Reviewed credit reports, income and asset documentation and appraisal reports to verify they met investor guidelines, generated approval, denial and suspense letters, maintained production logs, input loans into computer, reviewed approval conditions and cleared loans for closing. 1988-06/1996

Quality Control Auditor/Underwriter

Sibley Mortgage Corporation, Rochester, NY

Reviewed closed loans to verify correct procedures were done in processing and underwriting the loans. Reviewed credit, income and asset documentation and appraisal reports to verify they met investor guidelines, generated approval, denial and suspense letters, reviewed approval conditions and cleared loans for closing.

Achievements: Received the Performance Maximization award from MGIC for exceptional customer service as part of the M&T team.

References: Furnished upon request

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