Doris Faye Jones

214-***-****

**** ******** *****, *****, ***** 75098

adsr4x@r.postjobfree.com

Professional Summary

Mortgage Underwriter with expertise in Conventional, FHA, and VA loans.

Known for strengths in risk assessment, income and credit analysis and documentation review. Consistently met and exceeded audit requirements for turn times and accuracy.

Self-motivated problem solver with a comprehensive knowledge of underwriting guidelines for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work both independently and collaboratively with team members to ensure successful funding, closing and salability of all mortgage loans. Strong written and oral communication skills with the ability to deliver complex information clearly and concisely.

Designations: Credential FHA DE (Chums I.D.) and VA (SAR/LAPP)

Skills

Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans Manual Underwriting and AUS Validation ARMs Loan Closing, Funding & Documentation Account Service Excellence Critical Thinking Time Management Performance Optimization Condo Project Approval

Proficient in MS Office Word, Excel, Outlook & Teams. Encompass, Filenet, FHA Connection, FHA Catalyst & VA LGY Hub.

Experience

Mr. Cooper/Nationstar Mortgage Irving, TX 2013 – Feb. 2022

Senior Credit Risk Underwriter

During my time with Mr. Cooper, worked in Frontline Underwriting, Quality Control Audit, and in Risk Management resolving post-closing deficiencies and indemnifications. I served as liaise between Loan originator, processor, financial institution and management on specific lender loan program and borrower eligibility, including third party vendors on FHA Case Binder review uploads into the FHA Catalyst system.

• Optimized loan approvals through updated techniques to achieve efficiency and loan approval rate by 50%. Explore possible alternative before resorting to suspense or denial.

• Reduced organizational deficiencies rate effectively down to 28%.

• Performed timely annual and quarterly examination findings from the agencies.

• Analyzed Test Case review for new underwriter to verify accuracy and underwriting decision.

• Served as subject matter expert within the team.

Wells Fargo Bank 12/6/10 – 4/29/2012

Senior Underwriter

Reviewed and evaluated residential mortgage loans to ensure quality and compliance for the bank, Fannie Mae, Freddie Mae, FHA and secondary market standards. Interfaced with all levels of originations and credit policy staff to resolve issues. Assessed risk associated with the loan on a transaction basis, and made counteroffers as needed.

ICON Professional Services 4/9/08 – 10/17/10

Contract Underwriter for Fannie Mae

Employed as a Contract Underwriter for Fannie Mae’s National Underwriting Center (NUC) in Dallas, Texas. Assisted with loan-level quality assurance reviews, analyzing and reporting on significant loan quality trends, and initiating necessary actions to mitigate loss. Reviewed closed loans for eligibility with respect to Fannie Mae’s Selling Guide, DU Guide, and/or negotiated terms as defined by contracts with Fannie Mae’s lender partners.

• Performed risk analysis and make decisions regarding deficiencies identified during the review process.

• Identified transaction components that indicated potential for fraud and performed sufficient investigative work to resolve these issues.

• Accurately recorded data and reviewed conclusions in QAS (Quality Assurance System).

• Professionally communicated results of file reviews both verbally and in written format to internal and external customers.

• Sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity.

Education

College

Northlake College

Irving, Texas

High School

Skyline High School

Dallas, Texas

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