Sherrisa Smith

Scottsdale, AZ *****

adtoaf@r.postjobfree.com

+1-859-***-****

Work Experience

Senior Underwriter III

Oaktree Funding Corp - Remote

January 2017 to Present

• Responsible for evaluating Non Qm complex and high profile mortgage loan files and assesses risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss.

• Ensure quality meets standards for completeness, accuracy and timeliness. Comply with regulatory requirements (RESPA) and corporate guidelines.

• Responsible for conducting complex mortgage fraud and financial crimes investigations involving executive team.

• Review and evaluate borrower(s) profile, including but not limited to all income documentation

(including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals as per investor requirements for subordinates.

• Partner with operations, sales and closing departments to make client-oriented decisions enabling excellent customer servicing levels and accessibility.

• Received numerous awards and recognitions for loan quality, production and customer service at regional and national levels.

SENIOR UNDERWRITER

PARKSIDE LENDING LLC

June 2015 to January 2017

• Exercise good judgment and conduct reasonableness tests related to credit risk.

• Review loan approval conditions prior to funding of loan and reworks loans if applicable to new terms, identifying additional requirements as needed.

• Must meet pre-set service level agreements.

• Analyze exception requests and determine acceptability to risk requirements and escalate appropriately for approval.

• Communicate with sales and operations staff regarding loan decisions, conditions and underwriting guidelines.

• Maintain a sound knowledge of business/industry practices as they impact residential mortgage underwriting and credit risk.

• Responsible for evaluating mortgage loan files and assesses risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss.

• Review and evaluate borrower(s) profile, including but not limited to all income documentation

(including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals as per investor requirements. SENIOR UNDERWRITER

WELLS FARGO

April 2011 to June 2015

• Review and evaluate borrower(s) profile, including but not limited to all income documentation

(including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals as per investor requirements.

• Perform detailed underwriting analysis including calculating all income types (e.g. wage earner, retirement, self-employed), calculating complex financial analysis as needed, analyzing real estate appraisals to determine if collateral is acceptable, analyzing title report and lien information, reviewing all financial statements, and reviewing all additional documentation to determine accuracy and compliance with portfolio and investor guidelines prior to approval. Ensure that all loan files are documented per portfolio and investor guidelines to ensure marketability. Verify that all underwriting exceptions are thoroughly documented.

• Conduct proactive and effective pipeline management in accordance with performance standard expectations.

• Develop and maintain positive working relationship with co-workers, internal and external clients/ business partners and vendors.

SENIOR UNDERWRITER

USAA

July 2006 to March 2011

• Receives and reviews loan applications/files from the loan processor. Ensures package is complete, all regulatory and bank requirements have been met to this point. If package is incomplete, notifies the processor and bank sponsor of what is needed, and that the application cannot move forward until same is received. Returns the application and package to the loan processor for applicable follow-up.

• Underwrites the loan request verifying and addressing all applicable underwriting standards and requirements.

• For approvals, determines needed conditional items applicable to loan type and orders items such as appraisal, title work, flood search, etc. Inputs all necessary data into applicable system for tracking and regulatory purposes. For residential purchase mortgages prepares commitment letter returning the letter and application package to the loan processor for needed conditioned items or where applicable for other loan products preparation for closing.

• For declinations, withdrawals and counter offers ensure applicable data is entered into systems for tracking and regulatory purposes. Prepares applicable customer letter and returns this along with the application and package to the loan processor for appropriate handling. Education

MASTER OF SCIENCE in Business Law

GRAND CANYON UNIVERSITY

2011

BACHELOR OF SCIENCE in Business Law

UNIVERSITY OF CINCINNATI

2009

Skills

• Underwriting

• Financial Analysis

• Legal Research

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