Gretta Kubis

** ****** **., *********, ** ***** Email: adueor@r.postjobfree.com

Mobile: 910-***-****

CAREER SUMMARY

Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government- insured programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive loans to successful funding and close. Skills: Residential Lending & Underwriting Guidelines Credit & Income Analysis Cash Flow Analysis FNMA CU Risk Assessment FHA DE Conventional & USDA Mortgages Conforming

& Nonconforming Loans ARMs.

Objective: To obtain a position in mortgage banking where experience in underwriting, processing, training, closing, and team leadership, is required. Strong desire to utilize analytical, communication, and organizational skills.

EDUCATION

University of North Carolina at Chapel Hill Chapel Hill, NC

B.S. Biology, Minor Chemistry

PC Skills & Systems Used:

Encompass & Motion, Automated DU, DO, LP, & GUS AUS Systems, FHA Connection, Teams, Windows, MS Word, Excel, Outlook

Supplemental Training:

Reading & analysis of Appraisal reports, credit reports, business & personal tax returns for self- employment analysis – Genworth, United Guarantee

EXPERIENCE

Crescent Mortgage Company Remote Position/based in Atlanta, GA April 2015 to August 2022

Underwriter

• Perform initial and condition analysis of credit and collateral for Conventional, USDA, FHA, Mortgage Insured, and bank portfolio loan programs

• Underwrite loans to Fannie Mae, Freddie Mac, GUS and FHA guidelines to ensure credit soundness and compliance with company and investor standards

• Proficient in analysis of personal and business tax returns, all income/asset documentation, legal documentation, appraisals, title reports, and credit documentation to determine credit eligibility

• Adept at keeping up with changing lending guidelines, new programs and company processes

• Work efficiently as remote employee. Reliable in daily schedule and performance with exceptional communication and willingness to exceed expectations to help and excel where able. First Citizens Bank & Trust Company Hendersonville, NC January 2012 to March 2015

Underwriter

• Perform credit and collateral analysis for Conventional, USDA, NCHFA, Jumbo, Mortgage Insured, and bank portfolio loan programs

• Examine and underwrite loans to Fannie Mae, Freddie Mac, GUS, and multiple industry lender guidelines to ensure soundness, business value, and compliance with company and investor standards

• Experienced in reviewing personal and business tax returns, legal documentation, appraisals, title reports, and all credit documentation to determine credit eligibility

• Determine and document loan conditions and/or alternative options if needed and effectively communicate requirements and decisions in precise manner to maintain positive relationship with internal staff and external customer

• Maintain current knowledge of lending guidelines and industry regulations

• Adoptable/Flexible in a fast paced changing environment Guaranteed Rate Wilmington, NC

August 2011 to December 2011

Credit Analyst/Processor II (Mortgage Consultant)

• Structured and set up new loans within RESPA compliance including initial GFE and TIL disclosure to borrowers

• Efficient with running loans through AUS for initial credit approval with both DU and LP systems as well as GUS

• Maintained and processed credit and collateral approvals with documentation support for active pipeline of 50+ loans

• Provided continued high customer service with knowledge of loan process, mortgage procedure and lending guidelines

• Operated completely paperless loan process

Alpha Mortgage Corporation Wilmington, NC

November 2005 to May 2011

Credit Analyst/Loan Specialist

• Evaluated debt ratio, LTV ratios, credit score, property valuation, and various other risk factors to structure loans and provide credit decision with fundamental knowledge of loan origination, processing, underwriting, and closing

• Managed heavy workload in time-sensitive environment while maintaining high level of customer service to internal and external clients -- Sole processor and team member to top producing Loan Officer in NC, chosen based on performance and volume

• Proficient in Conventional, USDA, FHA, VA, NCFHA, and jumbo loan types

• Adhered to fair lending and fraud awareness techniques by detailed evaluation of collateral and credit documents

• Developed communication system for clients and realtors for delivering personal customer service and updates adopted company wide as standard

REFERENCES

Available upon request

Contact this candidate