Mortgage Underwriter Project Analyst

LINGBER ARTHUR ARZU

Lakeland, FL *****

Email: ***********@*******.***

www.linkedin.com/in/lingber-arthur-arzu-27442613

Phone: 863-***-****

SUMMARY OF QUALIFICATIONS

Proactive in communicating, answering questions, and providing sound solutions for loan originators and team members involved in the loan process

Received Underwriter of the Month Awards for a 100% decision and loan closing ratio

Proficient in all aspects of FNMA, FHLMC, RESPA, ECOA, FDPA, HMDA, and CRA guidelines

Expert in conducting detailed technical and analytical reviews for federal/state corporate

Partnership and S corporation tax returns

Superb analytical ability Conventional Conforming, Loan-to-Value, and Debt-to-Income Ratios

LOS System, Encompass, Cadence, LexisNexis, Core-Logic, Word, Adobe, Unify, Calix Point, Vantive, Power Point, and limited Excel

PROFESSIONAL EXPERIENCE

Taylor Morrison – Orlando, FL

Conventional Mortgage Underwriter 10/2021 to 09/2022

Underwrites Conforming Conventional residential loans ensuring compliance with appropriate company and secondary market investors’ standard.

Performs Credit & Income Analysis, Risk Assessment, and Loan to Value Ratios, Debt to Income Ratios as well as Compliance and Quality Control.

Utilizes lending authority and mature understanding of all aspects of Mortgage and portfolio guidelines to underwrite moderately complex loan files.

Analyzes overall loan documentation to ensure accuracy completeness, and compliance with Fannie Mae standards and Taylor Morrison guidelines.

Utilizes DU to ensure accurate reporting and entry. Collaborate with mortgage partners.

Reviews conditions received for final loan approval.

USAA – Tampa, FL

VA & Conventional Mortgage Underwriter 05/2015 to 10/2021

Underwrites VA and Conforming Conventional residential loans ensuring compliance with appropriate company and secondary market investors’ standard.

Performs Credit & Income Analysis, Risk Assessment, and Loan to Value Ratios, Debt to Income Ratios as well as Compliance and Quality Control.

Utilizes lending authority and mature understanding of all aspects of Mortgage and portfolio guidelines to underwrite moderately complex loan files.

Analyzes overall loan documentation to ensure accuracy completeness, and compliance with VA standards and USAA guidelines.

Utilizes DU to ensure accurate reporting and entry. Collaborate with mortgage partners.

Reviews conditions received for final loan approval.

Clayton Holdings – Tampa, FL

Sr. Mortgage/Compliance Underwriter 06/2014 to 05/2015

Responsible for front line underwriting of conventional, jumbo mortgage loans and ensuring compliance with secondary market investors.

Review loan files for completeness and accuracy.

Analyze credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.

Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors. Experience in Conventional/Conforming loan products

Determine and document loan conditions and communicating requirements and/or decisions.

Fifth Third Bank - Tampa, FL

Mortgage Underwriter 08/2012 to 09/2013

Proactive in communicating with loan originators and all team members involved in the loan process and assisted in training new hires

Knowledgeable and current in all aspects of bank and FNMA, FHLMC investor guidelines

Reviewed and analyzed all loan documentation including income and asset calculations, employment history, credit score eligibility, and qualifying ratios

Analyzed tax returns and financial reports to assess financial risk and potential fraud

Examined inspection reports and appraisals for consistency and accuracy

Reviewed AUS findings to ensure accurate reporting and entry

JP Morgan Chase - Tampa, FL

Residential Project Analyst 08/2011 to 08/2012

Performed detailed reviews of condominiums and PUDs project documentation received from multiple CHL channels including retail, Consumer Direct (CD), correspondent, and home equity

Consulted with internal and external clients and assisted in determining if loan requests meet eligible Condo/PUD classifications and product specifications

Reviewed and analyzed appraisals, master policy insurance declarations, budgets, by-laws, covenants, conditions and restrictions (CC&Rs) and project questionnaires

Contacted Condo/PUD management companies, insurance companies, sponsors and Condo/PUD boards to obtain additional information

Communicated project status (approval, suspense, denial) to appropriate individuals, upheld fair lending practices of JP Morgan Chase, and consistently met targets set forth for productivity, quality, and customer satisfaction

Well versed in all aspects of Fannie Mae and Freddie Mac guidelines/policies and that of JP Mortgage/Chase Mortgage

Bank of America - Tampa, FL

Junior Mortgage Underwriter 03/2005 to 08/2011

Underwriting responsibilities included reviewing mortgage loan documentation submitted by loan originators

Verified that all loans met underwriting guidelines and compliance established by Bank of America and investors

Performed detailed underwriting analysis for both credit and documentation deficiencies and determined the marketability of each loan, including income and asset calculations, employment history, credit score eligibility, and qualifying ratios

Proficient in all aspects of FNMA, FHLMC, underwriting guidelines, and lending regulations including RESPA, ECOA, FDPA, HMDA, CRA, USDA non-conforming and truth-in-lending

Communicated loan status to loan originator and processors, responded to questions in a timely manner, and notified all parties when additional information is needed

EDUCATION

Bachelor of Science, Telecommunications Management 2001

New York Institute of Technology - New York City, NY

Dean’s List - Spring 2000

Master of Business Administration, Business Administration 05/2012

Webster University - St Petersburg, FL, USA

Coursework in Marketing, Corporate Finance, Financial Markets and Institutions, Financial

Accounting, International Business, International Business Law, Operations and Project

Management and Organizational Behavior

PROFESSIONAL AFFILIATIONS

National Association of Distinguished Professionals (NADP)

Member of National Association of Mortgage Underwriters

Member of Credit Underwriters

Member of New York Institute of Technology Alumni

Member of Webster University Alumni

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