Mortgage Underwriter Customer Service
Resume:
Cruz Catalina Cathy Ynostrosa
adss99@r.postjobfree.com
Vista, CA 92081
Summary
Hard working, detail oriented professional looking to utilize a decade of experience to excel in a new field. Excellent communication skills, quick learner, well organized, dependable, and excellent time management skills. Able to work effectively with people in a variety of roles, make decisions and solve problems, provide excellent customer service, and overall a dedicated professional. Skills
• Bilingual in Spanish
• Microsoft Office
• Computer proficient
• Positive learning process
• Encompass Financial records and processing
• Results oriented
Experience
Paramount Residential Mortgage Group, Corona, CA January 2020 - July 2022 Remote DE Senior Underwriter
• Analyzed complex financial and credit information.
• Reviewed and cleared conditions in a timely matter and communicated approvals with loan processors, loan officers and closers.
• Maintained and met monthly production goals
• Trained for bond programs and DPA programs
Orion Lending, Orange, CA July 2019 - December 2019 Remote Senior Underwriter FHA/Conventional
• Reviewed and analyzed mortgage applications for approval
• Completed income documentation
• Analyzed credit for mortgage approval
• Communicated with brokers in order to get approvals in a timely manner Home Point Financial Corporation, Ann Arbor, MI June 2013 - January 2019 Remote DE Senior Mortgage Underwriter
• Reviewed and analyzed credit applications for mortgage approval
• Completed detailed analysis of personal assets, income and liabilities for clients to ensure an accurate decision to complete the loan process to closing
• Worked closely with loan processors and closers to ensure the accuracy of the loan Wells Fargo Bank, Tempe, AZ June 2012 - June 2013
FHA Mortgage Underwriter
• Responsible for reviewing, analyzing and underwriting individual mortgage loan applications
• Determined qualifying income by analyzing tax returns, paystubs, and W2s
• Calculated debt to income ratios from financial statements to determine eligibility for the loan
• Kept current with agency and HUD guidelines
JP Morgan Chase, Tempe, AZ June 2010 - June 2012
FHA Senior Mortgage Underwriter
• Performed underwriting for conventional and FHA loans
• Ensured accuracy on income, credit, and asset documents
• Worked closely with processors to finalize loans
• Continued training and reviewed agency guidelines Wells Fargo Financial, Tempe, AZ October 2009 - June 2010 FHA Mortgage Underwriter
• Responsible for reviewing, analyzing, and approving consumer requests for FHA products
• Reviewed financial statements, credit reports, and assets to determine the eligibility of the loan
• Completed FHA Direct Endorsement Authority Training for credit authority JP Morgan Chase, Phoenix, AZ July 2008 - October 2009 Senior Mortgage Underwriter
• Analyzed credit to ensure the loan met program and product guidelines
• Met daily and monthly underwriting goals
• Kept current with changes on guidelines
Education
Arizona State University, Tempe, AZ 1986
Bachelor of Arts: Spanish and Business Administration
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