Claudia R Flynn Park

**** ******* **

Jacksonville, Fla 32204

904-***-****

adt0h9@r.postjobfree.com:adt0h9@r.postjobfree.com

Work Experience:

Underwriter : 12/15/2021 -09/21/2023 Change Lending, Irvine, CA

Reviewed completed mortgage loan packages for approval or denial based upon credit worthiness and appraised value

Mortgages were all manually underwritten

Lending authority $1.5 million

Coordinated all approvals and closings with account managers, title clerks and processors

Underwriter: (10/2020-12/2021) HOMESIDE FINANCIAL, Glen St. Mary, FL

Ensured files were compliant and met all secondary market requirements and investor overlays.

Prepares/submits comprehensive Rebuttal responses and supporting documentation to the requestor.

Manual underwriting included verifying occupancy, income, appraisal and completing a written summary and checklist.

Expertise in manual review of GSE, private & bank owned loans.

Analyzing credit reports, recalculating income, and evaluating residential real estate appraisals.

Assessing mortgage origination files for creditworthiness and underwriting requirements.

Underwriter: (06/15 – 07/2020) SITUSAMC, Jacksonville FL

Ensured files were compliant and met all secondary market requirements and investor overlays.

Manual underwriting included verifying occupancy, income, appraisal and completing a written summary and checklist.

Expertise in manual review of GSE, private & bank owned loans.

Defending lender clients against mortgage insurance rescissions and investor repurchase demands.

Analyzing credit reports, recalculating income, and evaluating residential real estate appraisals.

Assessing mortgage origination files for creditworthiness and underwriting requirements.

Conducting analyses of mortgage origination issues raised by mortgage insurance companies or investors and preparing written rebuttals to those issues.

Underwriter: (06/13 – 01/14) OPUS CMC, Jacksonville FL.

Quality review of files for several different lenders. Review of all associated documents used at time of refinance or purchase. Documents reviewed encluded all income documents (tax returns, paystubs, w2’s, P&L’s) any documents used for income, appraisals, credit reports, calculating income etc. Review for quality assurance to confirm company as well as federal and state guidelines were adhered by for that loan.

Underwriter IV: (04/12 – 06/13) Wells Fargo, Jacksonville, FL

Responsibility of reviewing files and all associated documents to ensure compliance with HARP guidelines and requirements. Maintain a pipeline of loans and adhere to SLA times for each file to stay within deparment/company requirements and meet any Federal and/or State regulations.

Quality Specialist II (08/09 – 04/12) JP Morgan Chase, Jacksonville, FL

Audit and Review of Loss Mitigation with focus on verifying accuracy of the Negotiator’s analysis of borrower’s financials and property information to ensure the most suitable workout is being offered.

Veify accuracy of the myriad closing documents, system updates and inter-departmental hand-off process for each workout.

Analyze/calculate borrower’s income, credit hsitory, property valuations and other required documents for completeness and accuracy.

Decision workout files based on guidelines, policies and procedures established by JPMorgan Chase and the investors, insurers and guarantors of the mortgage loans.

Complete the final modification reviews (closer) for loans insured/guarenteed by FNMA, FHLMC, FHA, VA and private investors.

Senior Call Quality Rep. (06/07– 08/09) Washington Mutual Bank /JP Morgan Chase, Jacksonville, FL

Quality Call Monitoring for JAX Consumer Direct including both sales and processing teams, to ensure contact with borrowers adheres to company policy guidelines as well as Federal and State compliance and requirements/regulations.

Assisted team managers by facilitating side-by-side coaching with individuals having call monitoring issues.

Department Liason to several Sales teams to assist and keep them informed of updates and/or changes within the QCM process. Attended monthly meetings to advise of such changes and help to motivate teams for better Quality scores.

Junior Underwriter. (02/06 – 06/07) Washington Mutual Bank/JP Morgan Chase, Jacksonville, FL

Validated loans. Reviewed documents such as tax returns, financial documents and appraisals to ensure accuracy and adherence to loan apprival requirements.

Also reviewed loans and documents for fraudulant activity.

Senior Loan Coordinator (06/05 – 02/06) Washington Mutual Bank, Jacksonville, FL

Processing loan applications, including Fast Refinance, Low and Full Documentation, Government (FHA and VA), Purchases while providing excellent customer service to customers.

Meeting required quotas of closing loans and minimum errors.

Direct contact with borrowers advising of loan process and explanation of loan equirements/documentation needed to submit to underwriting for approval.

Advised borrower of approved or denied status, scheduled closings, and prepped file for closing department or prepped file for Adverse Action area.

Transferred to the Wholesale Department and performed these functions and dealt with Account Managers and Brokers rather than directly with customers.

Account Manager: (06/04 – 06/05) Aegis Funding, Jacksonville, FL

Job functions consisted of processing loans, customer service and working directly with Brokers in an effort to clear and close loans as mandated by department requirements.

Loan Specialist: (11/01- 05/04) Washington Mutual Bank, Jacksonville, FL

Processed mortgage loans, dealing directly with customers, reviewing documents and preparing file for underwriting review and decisioning.

Approved loan files for closing and denial files for Adverse Action.

Auto Loan Specialist: (09/1998 – 10/01) Eloan, Inc. Jacksonville, FL

Loan specialist, customer service, data entry and funding of 100% of auto loans on a daily basis.

Promoted to Bounce Team to recover as much revenue as possible and managed to make a 98% recovery.

Specialized Skills:

Reliable and proactive, excellent organizational skills, analytical and complex problem solving, able to multi-task and work independantly with minimal supervision, energetic and highly motivated, people oriented, work well in team environment.

Experienced with multiple software applications specific to the mortgage industry, as well as general office environment.

References:

Cheri Greer JP Morgan Chase 904-***-**** adt0h9@r.postjobfree.com

Paige Leverette JP Morgan Chase 904-***-**** adt0h9@r.postjobfree.com

Valerie Kloepping Homeside Financial 813-***-**** adt0h9@r.postjobfree.com

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