Senior Mortgage DE Underwriter

Angelique G Schiano

**** ****** ****** ** *************, NY 13027

*****.*******@*****.*** 954-***-****

Mortgage professional with over 20 years expertise in FHA, Manual, Conventional, Agency, Bond & Jumbo loans for Underwriting for Retail, Correspondent and Wholesale lending. Mortgage underwriter known for strengths in risk assessment, complex income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Function effectively in a fast-paced, team-oriented environment. Experience:

7/20 - 8/22 Compass Mortgage, Warrenville, IL (Remote) DE Underwriter

• Received training and FHA Direct Endorsement upon recruitment

• Underwrote primarily FHA and Bond loans with complex scenarios

• Worked extensively with Loan Officers helping to restructure loans 5/19 - 7/20 SourcePoint (FKA ISGN), Palm Bay, FL (Remote) Senior Mortgage Underwriter

• Worked on National MI platform underwriting and mentoring junior underwriters

• Designated via National MI to work with Compass mortgage earning new business and developing strong relationships

6/16 – 11/18 Essent Guaranty, Winston-Salem, NC (Remote) Senior Mortgage Underwriter

• Designated to work on complex underwriting scenarios for contract with Home Services Lending

• Provided support and guidance to business partners including loan restructuring and MI guidelines

• Mentored junior underwriters and processors to develop positive relationships and improve workflow

• Proven 100% quality standards while meeting production requirements and SLA 4/15 - 5/16 Cardinal Financial, Charlotte, NC (Remote) Senior Mortgage Underwriter

• Worked directly with Fannie Mae and Freddie Mac to insure quality and salability

• Maintained superior quality while maintaining 24/48 hour turn times on loans & conditions

• Conducted proactive and effective pipeline management

• Designated to work on unique properties, all vesting (trusts & LLCs) and Condo/PUD /Co-ops 6/14 - 4/15 Indecomm, Charlotte, NC (Remote)

Senior Mortgage Underwriter

• Worked collaboratively with Flagstar team to create streamlined underwriting process

• Exceeded work goals for productivity, quality and turn-times

• Participated in special projects as assigned by management

• Provided exceptional customer service

10/12 - 2/14 ISGN, Palm Bay, FL (Remote)

Mortgage Underwriter

• Worked on various contracts as needed, able to smoothly transition from one client's needs to the next

• Analyzed potential guideline or overlay problems with innovative “outside the box” solutions and communicated findings with clarity

• Met production standards and SLA with 100% quality

• Provided strong knowledge of conventional guidelines and overlays 5/11 - 10/12 Wells Fargo, Charlotte, NC

Home Equity Underwriter III

• Manually underwrote closed-end and revolving second mortgages

• Received quality scores in top bracket every month with production and service levels met

• Maintained portfolio record with zero default/decline 7/9 - 3/11 Zenta (currently Accenture), Charlotte, NC Mortgage Underwriter

• Analyzed and approved over 40 mortgage loans per month including purchase and refinance for national mortgage lender

• Proven ability to perform quality work while maintaining productivity and compliance standards

• Established strong relationships with internal and external clients/business partners 3/09 - 7/09 Wachovia Mortgage Direct (currently Wells Fargo), Charlotte, NC Mortgage Processor

• First month on floor closed and funded more loans than average team production

• Awarded “Shared Success” for customer satisfaction 06/05 - 9/08 First Magnus Financial, West Palm Beach, FL Mortgage Underwriter

• High producing wholesale mortgage underwriter averaging 100 loans a month

• Hired as Processor and made Processing Manager for a new branch within 4 months and promoted to Underwriter within the following 8 months

9/02 - 6/05 Lydian Data Services, Boca Raton, FL

QA Analyst Mortgage Loans

• Completed compliance and income audits on closed loans for potential investors

• Promoted to Manager with a staff of 28 within six months from hire Proficient in Microsoft Office, DU, LPA, Encompass, LPS, Fidelity, Citrix, Calyx References Available Upon Request.

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