Mortgage Underwriter Based Position

Ann Marie Boltz

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

Goose Creek, SC 29445

Phone: 843-***-**** (cell) or 843-***-**** (home)

E-mail: ***.*.*****@*****.***

OBJECTIVE

To obtain a career based position, with growth and longevity opportunities, where I can apply my experience and attributes as a career-minded team player in order to benefit the company and clients.

EMPLOYMENT HISTORY

Paramount Residential Mortgage Group, Corona, CA March 2021-June 2022

DE/VA Underwriter IV

Sole underwriter for highest producing team in company. Closed $9.9+ million per month for the last 3 quarters of employment, with no salability/insurability issues. Expert in review of self-employed borrowers with numerous owned companies, numerous and substantial real estate holdings and high balance loans. Expert experience in review of business and personal tax returns, utilizing for qualifying income. Extreme attention to detail and care while completing income calculations. Review of investor guidelines and company overlays, underwrote maintaining compliance with all federal regulatory lending requirements. Conventional (conforming and non-conforming) and FHA (DE/SAR numbers can be provided). Critical review of credit reports, assets, and property appraisals to document acceptable collateral. Responsible for determining LTV/CLTV, debt ratios, and required cash details of the transaction, ensuring credit scores, credit history, and all other verified information remained within investor guideline requirements. Issued all credit decisions and conditioned accordingly, while maintaining company mandated SLA turn times as required.

Atlantic Bay Mortgage Group, Virginia Beach, VA April 2012-April 2020

Senior Mortgage Underwriter

Fully certified underwriter for multiple loan types including conventional (conforming and non-conforming) FHA, VA, USDA and other bond loans (DE/SAR numbers can be provided). Duties included underwriting all loan types in accordance with investor and internal guidelines, while remaining in compliance with all federal regulatory lending requirements. Pipeline of 300+ loans with no less than 150 active loans for Platinum Club Member mortgage bankers. Responsible for analyzing complex personal and business tax returns, credit reports, assets, and appraisals. Responsible for determining LTV/CLTV, debt ratios, and cash to close, while ensuring credit scores, credit history, and all other loan information are within investor guideline requirements. All credit decisions issued based on investor/secondary market guidelines to meet ability to sell loan files and quality control restrictions. Condition for any items needed to document the loan in accordance with information submitted. Responsible for approval, denial and suspension of file for further documentation needed to issue credit decision.

EDUCATION

Brunswick Community College, Bolivia, NC

Course work to achieve High School Diploma through adult education program

SKILLS

Encompass/FT360

AIQ

Calyx Point

Citrix

Microsoft Office Suite

CRM

Internet

DU/LP

BYTE Pro

REFERENCES

Personal and professional references will be provided if necessary

Contact this candidate