Sr. Credit analyst and mortgage underwriting

ROSALIE CRUZ

Newark, CA ***** 510-***-**** ************@*******.***

SUMMARY

Disciplined Mortgage Underwriter pays attention to all details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to approve or decision loan by working to find alternative solutions for a positive outcome.

SKILLS

• Creditworthiness Determination

• Income Evaluation

• Loan File Maintenance

• Financial History Analysis

• Property Evaluation

• Credit History Review

• Customer Relations

• Product Education

EXPERIENCE – IN ALL OF THE BELOW ROLES I PREFORMED THE SAME DAILY DUTIES WHICH INCLUDE THE FOLLOWING:

• Analyzed loan risk and reviewed loan conditions and requirements.

• Inspected financial statements, credit information and title data to complete underwriting process.

• Requested additional information for applications and documents when necessary.

• Delineated reasons for application approvals and rejections.

• Maintained compliance with company and regulatory policies.

07/2020 to 06/2022

FHA DE Underwriter (REMOTE)

Guild Mortgage San Diego, CA

04/2019 to 06/2020 FHA DE Underwriter

Fremont Bank Livermore, CA

03/2018 to 01/2019 FHA DE Underwriter (REMOTE)

The Money Source Phoenix, AZ

07/2016 to 02/2018

FHA DE Underwriter (REMOTE)

Commerce Home Mortgage San Ramon, CA

07/2015 to 07/2016

FHA DE Underwriter (REMOTE)

New American Funding Tustin, CA

12/2012 to 07/2015

FHA DE Underwriter (REMOTE)

Home Bridge Financial Irvine, CA

04/2012 to 12/2012

Mortgage Underwriter

Fremont Bank Hayward, CA

10/2010 to 04/2012

Senior Mortgage Underwriter

Metlife Home Loans Pleasanton, CA

05/2010 to 09/2010

FHA DE Underwriter

Pacific Union Financial Walnut Creek, CA

08/2005 to 05/2010

FHA DE Underwriter

Reunion Mortgage Milpitas, CA

EDUCATION AND TRAINING

06/2008 DE Certification: FHA Direct Endorsement

LoanTrainer.com Online

UNDERWRITING SYSTEMS

• FNMA/Desktop Underwriter

• Freddie Mac/Loan Prospector

• Encompass

• Blitz

• Empower

• AIQ

• MyKey

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