LASHONDA A LATTIMORE

Phone: 904-***-**** Email: aduve0@r.postjobfree.com

Address: ***** ****** ***** ***, ************, FL 32218 PROFESSIONAL PROFILE

Carrington Mortgage Services February 2016-Present Sr. Mortgage Underwriter

• Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.

• Expert knowledge of complex personal and business financial analysis and an expertise in tax return, balance sheet analysis including cash flow and self employment income analysis.

• Use Fannie Mae, Freddie Mac, FHA, USDA and internal guidelines. Also used DU, LP and internal underwriting systems to underwrite all levels of loans.

• Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies.

• Maintains ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position

• Knowledge and proficiency in all levels of mortgage underwriting.

• Thorough knowledge of Mortgage Insurance policies.

• Excellent analytical and decision making skills.

• Ability to work independently with little or no supervision.

• Knowledge of Federal and State regulatory requirements.

• Proficient in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review.

• Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity.

• Excellent verbal and written communication skills as well as excellent teamwork with internal employees and external customers/business partners. JP Morgan Chase Bank NA February 2009 - September 2015 Mortgage Underwriter

• Expert knowledge of complex personal and business financial analysis and an expertise in tax return, balance sheet analysis including cash flow and self employment income analysis.

• Underwrote and reviewed appraisals.

• Used Fannie Mae, Freddie Mac and internal guidelines. Also used DU, LP and internal underwriting systems to underwrite all levels of loans.

• Knowledge and proficiency in all levels of mortgage underwriting.

• Thorough knowledge of Mortgage Insurance policies.

• Excellent analytical and decision making skills.

• Ability to work independently with little or no supervision.

• Knowledge of Federal and State regulatory requirements.

• Proficient in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review.

• Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity.

• Excellent verbal and written communication skills as well as excellent teamwork with internal employees and external customers/business partners. JP Morgan Chase Bank NA June 2003 - February 2009

Sr Loan Processor

• Proficient in processing full doc retail and consumer direct transactions

• Excellent verbal and written communication skills

• Proficient in setting and maintaining proper expectation to all parties on the file (including internal and external customers)

• Input proper loan information into the system for processing.

• Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy.

• Verify loan documents including income, assets, credit, appraisal and title insurance ultimately verifying application for final submission to underwriting.

• Review file documentation and make sure all items needed are requested. Order and coordinate loan documents.

• Meet crucial deadlines requested.

• General tax returns knowledge.

• Proficent with the calculation of income and assets.

• Read, interpret and apply applicable laws, rules, regulations and/or policies and procedures.

• Demonstrate interpersonal, organizational and time management skills.

• Accurately document all information pertaining to accounts.

• Ability to solve problems.

Blue Cross Blue Shields of Florida August 1998 – May 2003 Claims Examiner

• Knowledge of medical terminology

• Knowledge of medical billing/CPT and ICD 9 coding

• Ability to multi-task, prioritize work and manage time.

• Excellent oral and written communication skills.

• Review and adjudicates claims based on provider and health plan agreements and claims processing guidelines

• Follows internal processes and procedures

• Ensure activities are handled in accordance with departmental and company policies and procedures

PROFESSIONAL SKILLS

Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Account Service Excellence Review HUD-1 Settlement Statement Appraisal Review

ADDITIONAL SKILLS

Ability to prioritize and organize functions on daily basis Strong interpersonal and communication skills Familiar with fraud detection techniques, lending guidelines, mortgage industry, and loan renegotiating experience analyzing Reviewing, and underwriting complex mortgage loans Experienced in multiple Loan Originating systems

EDUCATION

William M Raines High School- Jacksonville Florida 8/1998-6/1991 Bethune Cookman College – Daytona Bch Florida 8/1991-6/1993

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