My Experience as an underwriter spans over ** years and includes as a bank loan officer through bank manager underwriting Consumer, HELOC, Home Equity Loans, Commercial loans and Commercial Real Estate Loans. I made a change to mortgages (SFR) underwriting for over 14 years including Conventional, Jumbo, FHA and VA loans. Over 7 years’ experience underwriting and reviewing appraisals on FHA and VA loans with required designations. Ability to analyze all types of complex income include all business and personal tax returns, military income, employment income with commissions, bonuses, and varied work schedules. Appraisal review, Collateral Verification, and Title Report review a a strength acquired while managing policies and procedures, QC and procurement. Over the years, I worked closely with the appraisers and title companies and agents including documenting review and requesting corrections and/or additional commentary from appraiser, title agent as applicable.. Efficiently decision loans based on company and agency guidelines. Built excellent customer service and communication skills across all lines of business including internal management, account executives, brokers, set up, account managers, closers, and funders. As a motivated team player, I assist others when there are problems or questions or with work needing to be completed. Always volunteer for overtime when company needed, with excellent analytical, and resolution skills.

Programs: Underwriting programs, customized and basic Encompass and Blue Sage with other proprietary loan systems, Desktop Underwriter, Loan Prospector, FHA Connection, VA WebLGY, Fraudguard, Corelogic, Data Verify, Collateral Underwriter, and appraisal verification products.

Designations: FHA DE/CHUMS and VA SAR/LAPP

Experience

Homebridge Wholesale Iselin, NJ Remote Sr. Underwriter -Conventional, FHA, VA 05/2019-07/2022

Organize and review assignments of 3-8 loans based on product type max limit (refinances, purchases, owner occupied/non owner occupied) ranging from new submissions and re-submissions

Review DU, LP verifying data and confirming status accept/approve or refer and determine if status required to be downgraded based on agency requirements. Complete appraisal report review, collateral verification, and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

Communicate with all parties on status of review, additional documentation required, approval, final approval and/or denial.

Freedom Mortgage Mount Laurel, NJ Remote & On Site Sr. Underwriter-Conventional, FHA, VA 12/2014-04/2019

Organize and review assignments of 5-10 loans up to product type max limit (refinances, purchases, owner occupied/non owner occupied) ranging from new and re-submissions

Complete underwriting documents for all types of income, asset review including 401K, and investments. Communicate with all parties results and any documentation needed.

Review DU, LP verifying data and confirming status accept/approve or refer and determine if status required to be downgraded based on agency requirements. Communicate with all parties results and if any additional documentation required.

Complete appraisal report review, collateral verification, and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

Communicate with all parties on status of review, additional documentation required, approval, final approval and/or denial.

Preparation of all approval/exception/denial documents by underwriter for file completion.

Essex Mortgage Orange, CA Contract Underwriter Conventional, FHA 06/2014-10/2014

Assignment was to cover for underwriter out on leave until she returned up to 3 mos.

Organize and review assignments of loans up to product type max limit (refinances, purchases, owner occupied/non owner occupied) ranging from new and re-submissions

Complete underwriting documents for all types of income, asset review including 401K, and investments. Communicate with all parties results and any documentation needed.

Complete appraisal report review, collateral verification, and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

Review DU, LP verifying data and confirming status accept/approve or refer and determine if status required to be downgraded based on agency requirements. Communicate with all parties, results and if any additional documentation required.

Communicate with all parties on status of review, additional documentation required, approval, final approval and/or denial.

Preparation of all approval/exception/denial documents by underwriter for file completion.

Impac Mortgage Corporation Irvine, CA Operation Manager 08/2013-04/2014

Management of Correspondent Operations teams.

Focus on re-structure and create an efficient process flow for the correspondent division.

Created regionalized team environment. Developed a sound reporting structure including developed and designed reporting efficiencies for data issues, funding, and daily pipeline management.

Substantial increase in volume with results from $60 million to $111 million and structured for annual volume of over $1.2 billion.

Fremont Bank Aliso Viejo, CA Sr. Wholesale Underwriter 01/2013-06/2013

Underwrote/analyzed complex income, credit assets for Conventional residential mortgage loans based on decision engine acceptance Fannie Mae and Freddie Mac guidelines.

Typical mortgage submission consisted of sophisticated borrowers with complex businesses and investments.

Complete appraisal report review, collateral verification, and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

Communicated requirements for documenting files to be able to close loans with processors, account executives, and brokers.

Union Bank Brea, CA Sr. Jumbo Underwriter 2012-2013

Underwrote/packaged jumbo and non-conforming residential mortgage loans requiring manual analysis with signing authority of over $1 million.

Analyzed the most sophisticated borrowers with multi-businesses and multi-investments requiring extensive spreadsheet experience including analysis of tax returns and financial statements.

Complete appraisal report review and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

Document decisions, request exceptions working with senior management to ensure loan decisions meet company and regulatory compliance, and policy and procedures.

Acting lead and utilized as a resource by team associates, providing solutions and recommendations for approval.

Wells Fargo Home Mortgage (Wholesale) Costa Mesa, CA Sr. Underwriter 2011-2012

Underwrote/packaged complex conventional residential mortgage loan requiring manual analysis.

Typical complex borrowers with multiple business and multiple investments requiring analysis of tax returns and financial statements.

Complete appraisal report review and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

Document decisions, recommended and documented exceptions within company and investor guidelines.

Pipeline management of a minimum 80+ loans, and closed approximately 30 loans per month.

Communicated with processors and account executives for documentation to close loans, final approval.

Nations Direct Mortgage Irvine, CA FHA and Conventional Underwriter 2010-2011

Underwrote/analyzed including requested exceptions on Conventional conforming and non-conforming residential mortgages for 1-4 single family homes.

Complete appraisal report review and title review comparison and document any issues and communicate with appraiser and title agent for corrections or additional commentary.

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