Dennise A. Winston

Chicago, IL ***** 773-***-**** aduk06@r.postjobfree.com

SUMMARY

Highly dedicated, disciplined and goal-oriented professional with a history of success in the Mortgage industry. Excellent communication and organizational skills as well as broad experience that can be used to assist in the growth of the organization. Quickly establishes rapport with clients and welcomes the challenge of solving problems.

TECHNICAL SKILLS

National Mortgage Licensing System and Registry Number (NMLS), Microsoft Word, Microsoft Excel, Mortgage express, FHA Connection Data Verify, Data Tree and Loan Beam

CAREER HISTORY

JPMORGAN CHASE

Home Lending Underwriter III 2016-11/2022

Evaluate and identify risks via loan application that could impact the client’s ability to repay the loan.

Analyzes complex financial information including calculation of income and debt ratios, verification of assets, collateral review, and credit review of loan application.

Analyzes difficult and challenging problems and identifies potential or innovative solutions Identifies documentation deficiencies within review and communicates findings with clarity to all parties involved.

Keep up to date on all credit policy changes that impact underwriting and maintain a healthy pipeline without and critical errors or performance management.

Adheres to all Chase Fair Lending practice policies.

Applies knowledge of mortgage servicing process and Credit Underwriting per-Fannie Mae and Freddie Mac guidelines.

Maintain meticulous attention to detail while underwriting mortgages. Evaluate the financial strength of borrowers to determine risk and repayment capacity.

Review all loan underwriting and modifications documentation to ensure compliance with FNMA and FHLMC as well as all internal overlays.

Ability to analyze complex borrower documentation, determine income and repayment ability assess borrower hardship as applicable for borrower assistance files, housing expenses, potential fraud and determine proper loan resolution.

Communicate with processing and sales to provide updates and clarification on outstanding conditions and deficiencies on loans and assist in interpreting underwriting guidelines.

Underwriting Non-QM and Agency loan products.

Validate the existence of sufficient assets required to close the loan.

Met monthly metrics and performed within the top 25% of the company ranking every month.

Signing authority up to 1,250,000.00.

JPMORGAN CHASE

Mortgage Processor 2011 – 2016

Process and prepare for closing retail mortgage loans (conventional and government, purchase and refinance) under various loan programs in accordance with policies & procedures.

Register loans on the origination system and maintain system accuracy.

Issue proper disclosures as required by federal regulatory compliance.

Review rate lock and point objectives for accuracy.

Ensure overage and underage is approved as well as waiver of any fees.

Set up files and order all necessary exhibits for appraisals and credit reports.

Check alternative documentation for accuracy and potential problems.

Order title insurance, flood and tax certificates and surveys, reviewing for problems upon receipt.

Review all documents thoroughly before submission to underwriting.

Obtain and review documents for acceptability against loan conditions with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions and perform closings.

Prepare documents for Subordination and Mortgage Insurance request.

Review the weekly pipeline report, peer to peer audits.

Knowledge of Federal and State regulatory requirements for Illinois, Wisconsin, Ohio, Kentucky Michigan, Indiana, and West Virginia.

ADDITIONAL EXPERIENCE

Imperial Funding Corp Sr. Loan Processor November 2001-August 2011

AMARIS MORTGAGE, Sr. Loan Processor August 1997-October 2001

BELL FEDERAL SAVING AND LOAN,

Underwriter Assistant

Customer Service Representative March 1986-June 1996

EDUCATION

STUDIES: Business Administration, OLIVE-HARVEY COLLEGE, CHICAGO, ILLINOIS

STUDIES: Business Administration, AMERICAN BUSINESS INSTITUTE, CHICAGO, ILLINOIS

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