Mortgage Underwriter Fraud Analyst
Resume:
CHEQUITA PATTERSON ·
**** ********** **** ********** ** 30078
**************@*****.***
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