Loan Underwriter Project Manager

Teresa DeMaris

Voorhees, NJ ***** • 856-***-****

***********@*****.*** • http://www.linkedin.com/in/teresa-demaris-834b1569

Dedicated business professional with extensive experience in the home loan industry. Highly skilled at

problem resolution, Time management and ensuring risk reductions. Excellent communication and

interpersonal skills with bilingual fluency in English and Spanish. Proficient in Microsoft Encompass, Core,

LIS, Calyx, LQB, Octane, Loan Prospector, Lending Pad and Lexis Nexis. — Areas of Key Emphasis

—Knowledge of RESPA and MDIA regulations. AUS experience.

• Credit & Income Analysis • Marketing & Sales Strategy • Knowledge of “A”

• FHA & VA Regulations • Closing & Funding Paper

• High volume productivity • Lead Generation

FNMA/FHLMC/FHA/

• FHA DE Certified VA programs

• Client Counseling

• Fraud Detection

Signature Achievements

Collaborated with sales managers and loan officers to review and restructure loan programs to ensure

accuracy and efficiency during loan processes.

Researched and developed local grant programs for First Time Home Buyers to augment Wells Fargo

Home Mortgage product offerings.

Recipient of Simple Path award for implementing new rollout to simplify process between

fulfillment partners. Provide quality credit risk decisioning at 99% accuracy rate.

Professional Experience

8/2020-3/2022

Underwriter III Cardinal Financial

● Perform analytical analysis of credit risk documents and due diligence fraud review of credit

documents.

● Communicate credit decisions with sales team, operational departments, and third-party

vendors

● Assist client partners with credit scenario reviews and credit structuring. Communicate all

decisions with sales partners and aid with closing coordination. Clear conditions for the clear to

close. Assist with sales development and growth in market area.

Account Manager Arc Home Loans, Mt Laurel, NJ 5/2019 -7/2020

● Perform review of all credit risk documents and fraud review. Assist client partners with credit

scenario reviews and credit structuring. Communicate all decisions with sales partners and aid

with closing coordination. Clear conditions for the clear to close. Assist with sales development

and growth in market area. Coordinate with Title Agencies and review Title policies.

Consumer Loan Underwriter 2 Wells Fargo Home Mortgage, Philadelphia, PA 4/2012 – 2/2018

Performed analytical analysis of credit risk documents and due diligence fraud review of credit

documents.

Communicated credit decisions with sales team, operational departments, and third-party vendors.

Served as Specialty Bond Team Leader.

Key Accomplishments:

Served as Special Project Manager for resolution of Aged Bond loan deficiencies with 95% purchase

resolution with investor.

Successfully trained mortgage processors and sales staff and provided support in areas of

guidance, guidelines, specialty bond changes, and monthly closings.

Served as Subject Matter Expert for Specialty Bond and CRA products.

Recipient Customer Service Awards for 2003, 2004, 2013, 2014, 2015, and 2016.

Promoted from Specialty Bond Processing Team Lead to Project Manager to Consumer Loan

Underwriter 2.

Education and Credentials - Bachelor of Arts in Spanish, concentration in Business

Rider University, Lawrenceville, NJ

Alternative Teaching Certificate Camden County College, Turnersville, NJ

Hispanic Studies Degree

Universidad Complutense, Madrid, Spain

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