CYNDI CORBITT / DE UNDERWRITER CHUMS ID EV**

*** ***** ****** *********, ** 07724 * 732-***-**** OBJECTIVE: TO UTILIZE MY EXPERIENCE AND ANALYTICAL SKILLS TO THE ENHANCEMENT OF A FAST PACED FULL SERVICE ORGINIZATION. MY BACKGROUND IS IN CREDIT AND COLLATERAL ANALYSIS. I HAVE EXTENSIVE KNOWLEDGE OF EVALUATION AND REVIEW OF FINANCIAL STATEMENTS, 1040S AND BUSINESS RETURNS. HAVING BEEN IN THE MORTGAGE INDUSTRY FOR OVER 25 YEARS I HAVE REVIEWED AND APPROVED LOAN AMOUNTS TO 7 MILLION.

EDUCATION:

UNIVERSITIY OF MISSISSIPPI Oxford, Ms

FHA DE Underwriter / VA SAR

CALYX, WORD, ENCOMPASS, OUTLOOK, AVISTA, DATATRAC

Have excellent working knowledge of LP, DU and DO HOME POINT FINANCIAL CORP

2021-PRESENT

Senior Staff Underwriter: FHA DE, VA SAR, Conventional, Texas A6,and Jumbo Loan Underwriting. Review and analyzation of documentation to determine credit worthiness for approval.

LOWER.COM

2021-2021

Senior Staff Underwriter: FHA DE, VA SAR, Conventional, Texas A6,and Jumbo Loan Underwriting. Review and analyzation of documentation to determine credit worthiness for approval.

HOME POINT FINANCIAL CORP

2019-2021

Senior Staff Underwriter: FHA DE, VA SAR, Conventional, Texas A6,and Jumbo Loan Underwriting. Review and analyzation of documentation to determine credit worthiness for approval.

FAMILY FIRST FUNDING

2018-2019

Senior Staff Underwriter: FHA DE, VA SAR, Conventional, Texas A6,and Jumbo Loan Underwriting. Review and analyzation of documentation to determine credit worthiness for approval.

HOME POINT FINANCIAL CORP.

2015-2018

Senior Staff Underwriter: FHA DE, VA SAR, Conventional, Texas A6, and Jumbo Loan Underwriting. Review and analyzation of documentation to determine credit worthiness for approval.

FIRST CHOICE LOAN SERVICES –

2010- 2015

Senior Staff Underwriter: FHA DE, VA, USDA Conventional, Texas A6 and Jumbo loan underwriting. Second review for new hire underwrites. WEICHERT FINANCIAL –

2010-2010

Contract underwriter: Responsible for conventional underwriting volume. GMH MORTGAGE SERVICES LLC/FIRST INTERSTATE FINANCIAL CORPORATION 2008 - 2010:

Underwriter: Responsible for underwriting Conventional Conforming and Agency Jumbo loans as well as heavy FHA underwriting, clearing conditions, reviewing HUDS, light reviewing of title and finalizing loans for closing. CEMETERY DEVELOPMENT CORPORATION-

2007-2008

Executive Assistant to President: Responsible for management and design of websites, did all art work and graphics for advertising for 15 cemeteries in 4 states, procurement of building permits, scheduling meetings, minutes for Board of Trustee meetings, landscape design for all cemeteries, and attended monthly State Cemetery Board Meetings.

FIRST GUARANTY MORTGAGE CORPORATION-

2005-2007

Staff Underwriter: FGMC was a non conforming wholesale lender licensed in 48 states. My responsibilities were to review loans, perform risk analysis and approve for most 2-4 family investor purchases.

AIG UNITED GUARANTY MORTGAGE-

2005-2005

Contract Underwriter: As a staff underwriter for AIG United Guaranty I was delegated to underwrite and approve loans for some the nation's largest lenders ie: Chase Home Mortgage and Countrywide. I was responsible for remaining up to date on the guidelines and practices of more than 50 different lenders.

CONSUMERS MORTGAGE CORPORATION-

2003-2005

Underwriting Operations Manager: Responsible for underwriting all loans originated and management of processing and office staff. Training new product guidelines to sales and processing.

MORTGAGE LOAN SPECIAILISTS-

2001-2003

Underwriting Operations Manager: Began as an onsite Customer Service Representative (Loan Originator) at Century 21 for the company. I would pre-qualify buyers and follow the loan through closing. I moved into the position of company underwriter after a year of sales. Eventually I became Underwriter/Operations Manager as the company grew. I was responsible for training new staff, signing new lenders hiring and firing. I put into place all operational

procedures for company.

GE CAPITAL MORTGAGE/PMI PRIVATE MORTGAGE INSURANCE COMPANY-

1998-2001

Contract Underwriter onsite at various lenders underwriting conventional MI and non MI loans for private mortgage insurance companies.

MANHATTAN MORTGAGE COMPANY-

1996-1998

Director of Underwriting: I was responsible for all underwriting packaging and shipping of loans to investors for outside review for the largest mortgage broker in New York. I reported directly to Melissa Cohen owner of Manhattan Mortgage and consistently the highest producing loan originator in the country.

References upon request