Mortgage underwriter

REMEDIOS RIOS

She/Her * 562-***-**** * *************@*****.***

EXPERIENCE

Conventional Underwriter 3/2021 – 8/2022

Sourcepoint Mortgage/Pulte Mortgage Remote Florida

Reviewed loan applications from origination to closing for builder/Investor to provide a smooth and timely purchase experience for both builder/Investor and borrower.

Developed a checklist system for document validation: purchase contract, disclosures, income, assets, debt and credit providing accuracy in reviews and avoiding unnecessary setbacks.

Maintained and updated appropriate loan information data base as well as submitting loans into automated underwriting systems keeping client confidentiality by creating a safe and ethical working environment.

Versed in complex and varied loan scenarios allowing me to navigate through files finding the best product and loan solution per investor specific guidelines.

Set goals and processed 9-10 loans consistently producing above daily company projected goals prioritizing rush escalations assisting company to meet compliance deadlines.

Coached new team members, facilitating the tools that I used to expedite their training, motivating and assisting new team members to produce at their daily goals.

Loss Mitigation Underwriter 8/2020 – 3/2021

Sourcepoint Mortgage/Cenlar Mortgage Remote Texas

Reviewed homeowner loan applications to determine eligibility for a loan modification or other loss mitigation options, such as short sale and deed in lieu of foreclosure that would benefit both the borrower and the Investor.

Underwrote file, administering a comprehensive review of all documentation: Borrower’s hardship, existing loan details, disclosures, income, assets, debt and credit.

Evaluated the borrower’s ability to continue to pay mortgage and the likelihood of possible future default recommending the best course of action per investor specific guidelines.

Maintained and updated appropriate loan information data base as well as submitting loans into automated underwriting systems keeping client confidentiality by creating a safe and ethical working environment.

Managed a pipeline processing 7-9 loan modifications daily, communicating with all involved including 3rd parties such as processor, title and appraisal companies creating a smooth modification process.

Loss Mitigation Underwriter 8/2014 – 7/2020

Carrington Mortgage Anaheim, CA

Reviewed homeowner loan applications to determine eligibility for a loan modification or other loss mitigation options, such as short sale and deed in lieu of foreclosure that would benefit both the borrower and the Investor.

Underwrote file, administering a comprehensive review of all documentation: Borrower’s hardship, existing loan details, disclosures, income, assets, debt and credit.

Evaluated the borrower’s ability to continue to pay mortgage and the likelihood of possible future default recommending the best course of action per investor specific guidelines.

Maintained and updated appropriate loan information data base as well as submitting loans into automated underwriting systems keeping client confidentiality by creating a safe and ethical working environment.

Managed a pipeline processing 7-9 loan modifications daily, communicating with all involved including 3rd parties such as processor, title and appraisal companies creating a smooth modification process.

Audited files from new hire underwriters, providing feedback on the reviews increasing accuracy and confidence for new underwriters and decreasing companies error margin.

FHA Underwriter 6/2012 – 7/2014

Carrington Mortgage Santa Ana, CA

Reviewed and underwrote loan applications for purchase files from origination to closing, under FHA investor specific guidelines, to provide a smooth and timely experience for both company and borrower.

Developed a checklist system for document validation: purchase contract, disclosures, income, assets, debt and credit providing accuracy in reviews and avoiding unnecessary setbacks.

Maintained and updated appropriate loan information data base as well as submitting loans into automated underwriting systems keeping client confidentiality by creating a safe and ethical working environment.

Set goals and processed 9-10 loans consistently producing above daily company projected goals prioritizing rush escalations assisting company to meet compliance deadlines.

Coached new team members, facilitating the tools that I used to expedite their training, motivating and assisting new team members to produce at the daily goals required by the company.

SKILLS

Fluent in Spanish and English, both spoken and written (Advanced)

Microsoft Office, 10 key, 50-60wpm (Intermediate-Advanced)

Automated Underwriting Systems: DU and LP (Intermediate-Advanced)

Information Data Base Systems: Empower, Elf, Black Knight, Fiserv, Onbase, CounselorMax, Agent Office, Point (Intermediate – Advanced)

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