Coto De Caza, CA 92679
Proven professional with in-depth
mortgage lending experience. Self
motivated, excellent work ethics,
detail oriented and high quality
and Communication skills.
Excellent attention to details.
Ability to effectively make
Team- oriented with success in
building relations with brokers.
Ability to work in high pressure
fast paced environment.
SENIOR FHA/ DE Aug 2014 Sep 2022
MORTGAGE UNDERWRITER, LoanDepot LLC, FOOTHILL RANCH, CA Underwrote loans based on FHA, Conv. Fannie Mae, FHLMC guidelines. Reviewed complex self employed borrowers owning corporate, partnership, Schedule C business tax returns with cash flow analysis. Manually underwrote FHA loans requiring down grades, 203 K loans. Reviewed fraud reports and title document systems, completed checklists and prepared summaries.
Completed mortgage credit analysis to determine borrower's financial capacity and credibility.
UNDERWRITING MANAGER Apr 2013 Jul 2014
Land Home Financial Services, Lake Forest, CA
Ensured Underwriting team performed to company productivity goals and customer service expectations. Completed second level reviews. Collaborated with Loan Officers with regards to loan programs, file restructure and loan options.
Responsible for audit findings review, issue resolution and escalations. SITE UNDERWRITING MANAGER Oct 2010 Mar 2013
Kinecta Credit Union, Fountain Valley, CA
Managed a team of underwriters in a retail branch. Managed loan pipeline to meet corporate and sales funding goals. Resolved compliance and audit deficiency findings with appropriate personnel.
TEAM LEAD Jan 2004 Sep 2010
A.V.P, Bank of America/ Countrywide, Aliso Viejo, CA Managed fast paced retail branch from processing, underwriting to funding.
Ensured efficient and quick turn times while delivering minimal loan deficiencies and compliance findings.
Managed and prioritized pipeline of loans to meet closing dates. Assisted sales team on loan scenarios, loan restructure & loan programs.
BACHELOR OF SCIENCE - MARKETING AND MANAGEMENT