CHEQUITA PATTERSON ·

**** ********** **** ********** ** 30078

313-***-****

adsq2x@r.postjobfree.com

Mortgage professional with 25 years of experience seeking stable remote position with mortgage banker/lender in underwriting department . I am very much eager motivated to find sponsorship for DE/LAPP/CHUMS/SARS. I want a position that allows for growth. I want my workplace to be a place I learn something new everyday

EXPERIENCE

CURRENT POSITION

Plaza Home Mortgage- Wholesale Senior Non-QM Underwriter (remote) 2 years 2 mos

Non-QM, DSCR(ICF), Jumbo,Bank -Statement Income qualifying loans, ALT DOC /NON- prime loans Overflow assisting other teams with Conventional, JUMBO and USDA Underwriter for top producing AE/Broker loans products for 2 years also

Breeze, Fraud guard, Mercury, Data tree, Excel, Word, Outlook, Teams, Business, Vonage used daily Handled all direct contact with customers or brokers via phone and email Handled any and all qualifying loan conditions in file including HOI PAST POSITIONS - LOAN PROGRAMS-

LENDERS-#YRS

NON- QM Manual UW Experience total years of experience -6 years TheLender- Wholesale Sr. Non-QM Underwriter (remote)-1 year Non-QM, DSCR, Bank -Statement Income qualifying loans, non- prime loans, Foreign National, noni(DSCR) Conventional loans products

Encompass

Handled all direct contact with customers or brokers via phone and email ANGEL OAK FUNDING – WHOLESALE -SR. NON-QM UNDERWRITER-3 YEARS 2017-2019

Non-QM, DSCR, Bank -Statement Income qualifying loans, Non- prime loans, Foreign National, Conventional loan products

Encompass

Handled all direct contact with customers or brokers via phone and email Conventional (DU,LP), USDA (GUS), VA IRRL, FHA - UW Experience total years of experience -7.8 e=years

BB&T – CORRESPONDENT LENDING UNDERWRITER- 5 YEARS

Worked on Conventional, FHA, VA (including IRRRL), USDA AUS (DU, LP, GUS)

Encompass

Handled all direct contact with customers or brokers via phone and email 2

Bank of America – Retail Loan Processing Center – Westcoast Ops – 2yrs Worked on Conventional and Down payment asst programs AUS (DU, LP, GUS) Calyx Point DocMagic, IRIS

Handled all direct contact with borrower, escrow/ title, loan officer, AMC, real estate agent via phone and email

LoanDepot/OpusWIpro- Contract Retail Conventional Underwriter-6 months Worked on Conventional retails loan AUS (DU, LP)

Encompass

Handled all direct contact with borrower, escrow/ title, loan officer, AMC, real estate agent via phone and email

Discover Financial/OpusWipro-Contract Retail Heloc/2nd Mortgage Underwriter – 3 months

Worked on Conventional retails loan AUS (DU, LP)

Encompass

Handled all direct contact with borrower, escrow/ title, loan officer, AMC via phone and email QC Auditor/Post Funding Audit/ Due Diligence/ Rebuttal/ Repurchase /Fraud Analyst/ Investor Sales –total years of experience -3.5 years New Oak-Slate professionals –- Forensic Underwriter 1 yr Repurchase, affirmative work, rebuttal, due diligence, reviewing reps/warrants, day one review, fraud review, litigation ;All remote contract projects

LPS Capital Markets-Randstad- Forensic Underwriter- 6 mos Contract projects,Repurchase letters, Countrywide project, reps/warrants, day one review, fraud review

StoneHillGroup- Forensic Underwriter/Due Diligence-6 mos Due Diligence reviews, Post Funding Audit, QC Audit projects, all contracted projects Clayton/Radian-Credit Anaylst -6 mos

Due Diligence reviews, Post Funding Audit, QC Audit Projects, all remote contracted projects Wipro/Opus/National Staffing -Forensic Underwriter -6 Mos Repurchase letter, Fraud Review, day one review, reps and warrants, litigation AMC-SNI Companies -Loan Analyst -6 mos

Due Diligence reviews, Post Funding Audit, QC Audit Projects, all remote contracted projects SUBPRIME MANUAL Frontline Underwriter – Wholesale – total years experience – 3.5 years

Peoples Choice Home Loans - Wholesale Subprime Underwriter-3 years Calyx point

Stated income

No income No Assets

Neg Amortization loans

80/20 loan combos

95% ltv

Anvil Funding -Wholesale Subprime Underwriter -.5 years Calyx point

Stated income

No income No Assets

Neg Amortization loans

80/20 loan combos

95% ltv

3

SKILLS

Manual and AUS underwriting

Processing, Account Management, Processing Mgmt

Non-prime; Non-QM, jumbo

closing (funding and drawing loan docs)

Forensic underwriting

FHA, VA, USDA

Trid, Atr

Post funding audit /quality control

Retail, wholesale, and correspondence

ICF/DSCR loans

Contact this candidate