Loan Underwriter Processor

TONI LYNN GONZALEZ

Metro Denver

303-***-**** ****.****@*******.***

SUMMARY

Many years in the mortgage industry with experience in processing, closing, underwriting, collateral underwriting, credit analysis, financial auditing, escrow analysis, construction/builder and management. Extensive background in customer service. Proven ability to multi-task, detail oriented and meticulous that deadlines are met. Capable of working various computer programs. Previous positions held include:

Processor Team Lead

Client/Broker

Coordinator

Construction Loan

Processor/Closer

Closer

Auditor/Legal Due

Diligence

Underwriter

Escrow Analyst

PROFESSIONAL EXPERIENCE

HOMETOWN LENDERS, Denver CO 2021-2022

Underwriter

Analyzed credit documents for consumer requests on conforming and jumbo loan products with various investors

Reviewed and analyzed tax returns, payroll ledgers and audited financial statements.

Experience with bankruptcies, short sales, foreclosures, loan modifications.

Reviewed credit documents for accuracy and compliancy to ensure debt and loan to value ratios were met for various loan products using different investor guidelines

Underwrote for westcoast area along with New Mexico and Alabama.

Performed collateral review for conforming and jumbo appraisals.

Handled escalated issues quickly to effectively resolve problems for pre and post closed loans.

Utilized Encompass system working remotely and self sufficiently FORTIS PRIVATE BANK, Denver CO 2020-2021

Credit Officer

Analyzed credit documents for conventional, jumbo and portfolio loan products including lot loans.

Reviewed and analyzed tax returns, payroll ledgers and audited financial statements.

Performed both processing and underwriting of file to prepare loan for closing.

Reviewed credit documents for compliance and accuracy to ensure debt and loan to value ratios were met for various loan products using different underwriting engines: AU, DU and manual underwriting

Experience with Encompass system.

Underwrote meeting the guidelines for various states.

Performed collateral review for conforming, non-conforming and portfolio appraisals. THRIVE MORTGAGE, Thornton, CO 2020-2020

Underwriter

Validated income, assets, credit and property documents.

Evaluated loan applications for risks and various criteria such as investor requirements, accuracy, consistency and completeness.

Reviewed new loan files to ensure loan meets investor and program criteria.

Experience with Encompass system.

Completed a thorough analysis of loan files to determine compliance with company and investors guidelines.

Performed collateral review for conforming and non-conforming loan. CONTRACT UNDERWRITING, Thornton, CO 2018-2020

Underwriter/Auditor

Reviewed and analyzed tax returns, payroll ledgers and audited financial statements.

Reviewed credit documents for accuracy and compliancy ensuring initial front underwriting guidelines were met.

Ensured underwriting guidelines met for various investor products.

Performed collateral review for conforming appraisals.

Prepared reports for next level of underwriting and attorney review. ZIONSBANCORP MORTGAGE COMPANY, Greenwood Village, Colorado 2016-2018 Senior Underwriter

Analyzed credit documents for conventional and portfolio loan products including High Balance, Home Equity Lines of Credit, simultaneous seconds, construction and builder.

Reviewed and analyzed tax returns, payroll ledgers and audited financial statements.

Handled calls with certified accountants and attorneys for various mortgage related issues.

Experience with bankruptcies, short sales, foreclosures, loan modifications.

Reviewed credit documents for compliance and accuracy to ensure debt and loan to value ratios were met for various loan products using different underwriting engines: AU, DU and manual underwriting

Experience with Encompass system.

Underwrote meeting the guidelines for various states.

Performed collateral review for conforming, non-conforming and portfolio appraisals. WELLS FARGO HOME MORTGAGE, Denver, Colorado 2007-2016 Consumer Loan Underwriter 3

Analyzed credit documents for consumer requests on various conforming, non-conforming, FHA and VA loan products including but not limited to: HARP, High Balance, Home Equity Lines of Credit, simultaneous seconds, construction, builder, CHFA, Bond, Community Home Ownership and other types of down payment assistance programs

Experience in escrow analysis, paying property hazard insurance and tax installments

Reviewed and analyzed tax returns, payroll ledgers and audited financial statements.

Handled calls with certified accountants and attorneys for various mortgage related issues.

Experience with bankruptcies, short sales, foreclosures, loan modifications.

Worked in wholesale, retail, distributed and centralized fulfillment centers.

Reviewed credit documents for accuracy and compliancy to ensure debt and loan to value ratios were met for various loan products using different underwriting engines: AU, DU, LP and manual underwriting

Experience navigating between paper files and a paperless system.

Processed, underwrote and closed loans meeting the guidelines for various states.

Performed collateral review for conforming, non-conforming and government appraisals.

Handled escalated issues quickly to effectively resolve problems for pre and post closed loans.

Received accommodations for quality assurance and met customer service expectations. AMERICAN HOME MORTGAGE, Golden, Colorado 2006-2007 Jr. Underwriter/Loan Processor

Reviewed and approved loan applications for various lending products including: simultaneous seconds, various state offered bond programs, construction and builder for both conforming and non- conforming products.

Analyzed credit documents for accuracy and compliancy to meet underwriting guidelines for various states

Experience with bankruptcies and automated underwriting engines: LP, AU and DU.

Prepared FHA and VA credit files for Senior Underwriter approval.

Performed collateral review of conforming and non-conforming appraisals.

Reviewed packages received from title companies for completion, accuracy and compliancy before packaging closed files for post closing audit to ensure final salability. WATERFIELD FINANCIAL, Lakewood, Colorado 1997-2006 Client Coordinator/Loan Document Specialist/Closer/Construction

Processed a large pipeline for as many as eight Loan Originators at one time, met deadlines in a timely manner to maintain customer service expectations using paperless system.

Selected by top producing Loan Originators to process high volume workload.

Disbursed funds and balanced reports for construction disbursements, incoming/outgoing wires.

*0 Worked as a Closer and Processor for new construction process, familiar with lot loans, one and two-time perm closing, draw funding and shipping.

Wired funds to escrow and title companies and reviewed final figures for closing documents, balanced incoming wires, managed post closing functions.

Functioned as a processor, underwriter and closer implementing bond, grants, community homeownership for conforming, non-conforming, FHA and VA products.

Performed as team lead managing a small group of co-workers and assisted Loan Originators as needed.

Reviewed packages received from title companies for completion, accuracy and compliancy before packaging closed files for post closing audit to ensure final salability. EDUCATION AND TRAINING

Diploma, Central Catholic High School, Denver, Colorado Completed an initial course in Loan Processing, National Lender Services, Northglenn, Colorado Attended all lender sponsored courses to obtain updates in mortgage lending guidelines. Microsoft, Word and Excel programs

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