Mortgage Underwriter Loan
Resume:
CHRISTA JONES HALL
Greer, SC *****
aduo4u@r.postjobfree.com
SUMMARY
Detailed Senior Underwriter offering 15+ years background reviewing real estate loan applications for accurate and necessary information. offering In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Proficient manual and automated underwriting.
SKILLS
Credit Analysis
Complex Financial analysis
Compliance Research and development
Team Leadership
Agency & Non-Agency Loans, NON-QHEM, DSCR Investment Programs
Mathematical reasoning aptitude
High-energy attitude
Regulatory requirements
Mentoring and training
Project implementation
Change management
AUS and Manual Underwriter
Supervision & leadership
40+ hours a week with each employer
EXPERIENCE
HTEM/DBA THE LENDER &ME MORTGAGE
Lake Forest, CA
Senior Mortgage Underwriter 12/2020 to 09/2022
Evaluated mortgage loan risk based on sound underwriting decisions.
Communicated with applicants and internal team members to discuss identified conditions needed for approval.
Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
Evaluated loans against portfolio and investor guidelines.
Requested additional information and documents from borrower to help determine loan risk for Bank Statement Programs, Asset Depletion, DSCR, and Agency products.
Developed relationships with broker and real estate community by providing updates on loan status.
Collaborated with loan originators and processors to correctly review and assess applications and risks.
THE COMPLIANCE GROUP
Carlsbad, CA
Contract Compliance Auditor 12/2019 to 12/2021
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Evaluated the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product.
Diminished financial discrepancies and accurately reconciled accounts using detailed data analysis results. Operations Anal
SOURCE POINT AND SOLOMON EDWARDS
Palm Bay, FL
Remote Senior Mortgage Underwriter 02/2020 to 12/2020
Collaborated with loan originators and processors to correctly review and assess applications and risks.
Analyzed loan risk and reviewed loan conditions and requirements.
Determined loan eligibility and approved or rejected applications.
Maintained compliance with company and regulatory policies.
Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
LIMA ONE CAPITAL
Greenville, SC
Operations Analyst Fix and Flip Underwriter 05/2019 to 07/2019
Analyzed loan-to-value ratios, rental income ratios and credit scores to make underwriting decisions for Portfolio Investment Properties
Presented account proposals professionally and effectively to Investors
Reviewed titles, insurance coverage and both automatic and calculated appraisals for loan properties (Single Family and Multi Unit Properties)
Analyzed Realestate Investor financial status, credit and property evaluation to determine feasibility of granting loan
Identified potential risks – associated with either Business entity or realestate portfolio
Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
BANK OF AMERICA CORP
Tampa, FL
Senior Mortgage Underwriter 03/2016 to 02/2019
Underwrote and decisioned agency conforming, non conformings jumbo residential mortgage loans.
Negotiated contracts and coordinate with lenders, attorneys and inspectors.
Verified that the legal formalities were completed prior to closing dates.
Reviewed all tax returns prepared by individual departments before approval.
Diminished financial discrepancies, accurately reconciling accounts while reviewing material assets, net worth, liabilities, surplus, income and expense data.
Performed thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
Reviewed contracts from banks and ensured that corrections were made to meet all regulatory requirements.
Adhered to deadlines in optimizing regulatory and operational performance.
Prepared banking policy and procedures and explained all steps to appropriate personnel.
Obtained notices of completion and compliance certifications from construction administration consultants.
Accurately estimated construction costs, yielding a profit to the business.
EVERBANK FINANCIAL CORP
Jacksonville, FL
Compliance Audit Leader 07/2015 to 01/2016
Researched and campaigned to develop and implement plans for Lending Origination Guidelines.
Managed Change Management Report database.
Initiated and coordinated changes necessitated by new or revised laws and regulations impacting the area of responsibility, including changes in policy and procedural manuals.
Researched underwriting processes to ensure conditions adhered to regulatory compliance protocols.
Completed appraisals reviews according to federal and USPAP guidelines.
Participated in projects related to the development and improvement of governance and policy processes and regulatory review
Created effective Audit Control Testing and Synopsis to ensure Sound strategic decisions were focused on exceeding quality control for Agency and Non Agency Guidelines.
Revamped 800+ Excel questionnaire for secondary and origination lending requirements to insure Lender met Investor Quality control protocol.
DIGITAL RISK LOC
Jacksonville, FL
Mortgage Quality Control Underwriter 02/2015 to 07/2015
Developed and wrote concise Forensic Mortgage Audit Synopsis for Legal Department .
Analyzed Super Jumbo and Jumbo Convetional, Conforming, Non Conforming, FHA, and VA Loans.
Manual Underwriter, First, Seconds, Refinances, New Construction, and Purchases.
Effectively presented Fraudulent income, asset, and collateral findings to Legal Team.
Applied mathematical skills to calculate totals, check figures and correct problems with physical and digital files.
Calculated personal and business tax returns
Reviewed financial reports to determine impact of financial management policies and practices.
Reviewed customer financial data to ascertain the level of risk involved for extending credit.
SPECIAL COUNCIL/ USAA REAL ESTATE COMPANY
Plano, TX
Regulatory Compliance Analyst 12/2014 to 01/2015
Verified that all firm and mortgage regulatory policies and procedures were, implemented and communicated
Assisted Compliance governance and/or policy functions necessary to ensure regulatory compliance with the Home Mortgage Disclosure Act (HMDA).
Validated Mortgage Automated Lending Decisions met Regulatory requirements.
Completed mortgage risk assessments in order to minimize compliance risk exposure and escalated accordingly.
Sampled multiple loans.
WELLS FARGO & COMPANY
Jacksonville, FL
Senior Mortgage Underwriter 4 07/2012 to 01/2014
Evaluated mortgage loan risk based on sound underwriting decisions.
Decisoned Complex loans
Performed debit, credit and total accounts on computer spreadsheets/databases, using specialized accounting software.
Decisoned Multi Unit Rental Properties
Actively identified critical risk issues
Trained Underwriters and Managers on Income and Asset Review
Developed an excellent rapport with custom builders to expand opportunities for growth.
Ensured compliance with internal controls and government regulations.
JPMORGAN CHASE
Jacksonville, FL
Senior Mortage Underwriter Escalations Manager 09/2007 to 03/2012
Underwrote and decisioned agency conforming and jumbo residential mortgage loans.
Underwrote Multi Unit Residential Properties
Trained Managers and Associates which improved overall productivity and efficiency.
Established product specifications and quality assurance practices.
Created Department Quality Checklist
Created improved training techniques on reporting procedures, which increased employee performance and retention.
Evaluated collected data and reported results and recommendations to stakeholders and management.
Monitored product trends and suggested changes.
Top Producing Underwriter
EDUCATION AND TRAINING
CREDIT LENDING/ MANHATTAN, NY
Major Corporate Credit Lending Training, JP Morgan Chase
BBA: ACCOUNTING - IN PROGRESS
Ashford University, San Diego, CA
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