CHRISTINE LIMAS

626-***-****

ads3rm@r.postjobfree.com

WORK EXPERIENCE

Sr. Underwriter 2013 to 2022

New American Funding

● Primary responsibility include providing the thorough evaluation of credit, property documents, identify potential risks and advise as to the appropriate decision of the file as it relates to approving

● Analyze complex tax returns and accurately calculate income

● Perform timely reviews of submitted conditions and loan resubmissions

● Maintain quality and production standards as set forth by management

● Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers.

● Other duties include maintaining underwriting turn times, working with processors and loan officers to provide guidance on a case by case basis, and keep up with guidelines as set forth

● Assistant with Second Signs for all new hires for various loan products

● Reviewed and qualified Employee Mortgage Loans

● Able to calculate Per Capita income

● Communicates regularly with sales team, processors and management

● Builders Loans

● Complex Mortgage Loans (7-10 properties), 1031 Exchange Loans Underwriter III (Contractor) 2012 to 2012

Wells Fargo Home Mortgage

● Review and ensure that all documents are consistent and uphold company and industry guidelines

● Implementing fraud detection techniques & performing compliance reviews

● Assisting with re-negotiations of loans based on lending guidelines

● Contacting customers to explain the rationale behind the credit decisions

● Assess the property appraisal to ensure accuracy and appropriateness relative to loan being requested. Underwriter III 2010 to 2012

Prospect Mortgage

● Underwriter and evaluation mortgage loan applications for both USA and FHA loans

● FHA loans were underwritten to mortgagee letter 0952, 1023 and retain purchase SKILLS

● Front Line Underwriter

● Quality Assurance

● Manual Underwriter

● DU and LP AUS

● Encompass 360