Lori A. Rotenberry

Royse City, TX ***** • adus9a@r.postjobfree.com • 972-***-****

Linkedin.com/in/lori-rotenberry-03480916

Post Purchase Underwriter

Mortgage industry professional with loan-processing, audit experience and a comprehensive knowledge of conventional and government loan programs. Diligent and detail-oriented, thoroughly gather borrower information, verify loan documents and review file documentation to guide each loan from preapproval to closing. Meticulous in delivering error-free documentation and ensuring compliance with company policies and regulatory requirements.

Core Competencies

•

•Analytical

•Great Communication Skills

•Conforming & Nonconforming Loans

•Jumbo Loans

•Fannie Mae & Freddie Mac Guidelines

•FHA, VA, USDA, Conventional and Rural Development Loans

•Customer Service

Experience

Franklin American Mortgage / Citizens Bank 06/2009 – 07/2022

Franklin American Mortg. / Citizens Post Purchase Reviewer, 04/2017 – 07/2022

Provided support to Lenders by ensuring the timely, judicious and accurate reviewing of mortgage loan files.

•Reviewed and verified borrowers’ income, credit reports, employment history, property appraisals and title insurance information to prepare loan.

•Ensured compliance with company policies, underwriting guidelines and lending-program requirements. Worked with lender to collect all documentation and signatures and dated correctly per government requirement for final loan approval and purchase.

•Verified income / employment documentation to ensure ratios were in line for loan program and loan-to-value was in line.

•Verified invoices and fees necessary for closing were within tolerance and did not exceed Interested Party Contribution.

Franklin American Mortg. / Citizens Underwriting Assistant, 07/2013 – 04/2017

Set up incoming new loans in I-Delivery.

•Followed up with Lender to collect missing documentation. Moved loans through Pro-Key to underwriting queue.

•Supported Underwriters with incoming conditions received from Lenders. Supported Underwriting Manager with reports and workflow spreadsheet.

Franklin American Mortg. / Citizens Lender Helpdesk Assoc., 05/2011 – 07/2013

Advised Lenders on FHA, FNMA and Freddie Mac Guidelines along with Franklin America Policies / procedures. Handled incoming calls and emails / ran active Mortgage Loan scenarios.

Franklin American Mortg. / Citizens Closed Loan Reviewer / Helpdesk, 06/2009 – 05/2011

Reviewed closed loan FHA files for errors / accuracy; cleared final conditions. Audited Automatic Underwriting Systems findings; input data for loan setup.

Technical Skills: I-Delivery MS Office Encompass OnBase / LOS Pro-Key