JOYCE J BASS RESPES

Sicklerville, NJ *****

856-***-**** - aduvo4@r.postjobfree.com

PROFESSIONAL SUMMARY

Astute and methodical Senior Mortgage Underwriter with significant background working with Conventional. FHA, Fannie Mae, Freddie Loans, Jumbo loans and some VA Underwriting. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.

Perform due diligence audits that encompass review of loan files for completeness and accuracy, analyzing credit history, income, title reports and appraisals. Conducted post closing reviews on loans, as well as writing rebuttals letters and repurchase letters. Reviewed responses from investors regarding any trailing documentation and rebuttals. SKILLS

Customer Accounts Management

Desktop Underwriter

Fraud Detection Techniques

Property Evaluation

Customer Relations

Loan File Maintenance

Administrative Support

Automated Underwriting Systems

Audit Procedures

Perform Due Diligence audits and

respond to investors with findings

Loan Restructuring

WORK HISTORY

04/2022 to 08/2022 Senior Mortgage Underwriter

Homeward Mortgage – Austin, TX

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status. Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Underwrite 3-5 files a day depending on number of condition reviews Perform due diligence audits reviewing loan files for completeness and accuracy. Respond to investor request for any trailing documents. 08/2021 to 12/2021 Senior Mortgage Underwriter

Mortgage Unlimited – Garfield, NJ

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status. Underwrite 3-5 files a day depending on number of condition reviews Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Checked personal and team calculations to validate information and underwriting decisions.

Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.

Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions. Monitored pipelines to track and log status of loans. Established plans and payoffs for customers' loans, prioritizing control of overall costs.

11/2020 to 08/2021 Senior Mortgage Underwriter

Point Mortgage – San Diego, CA

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status. Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Worked with processing team members to communicate errors and obtain missing information for current applications.

06/2020 to 11/2020 Senior Mortgage Underwriter

Cross Country Mortgage – Ohio

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status. Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Underwrite 3-5 files a day depending on number of condition reviews Perform due diligence audits reviewing loan files for completeness and accuracy. Respond to investor request for any trailing documents and rebuttals. 07/2017 to 06/2020 Mortgage Underwriter

JG Wentworth/Freedom Mortgge – Woodbridge, VA

Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status. Applied grades to each loan application based on established criteria to keep institutional risk low.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans. Monitored pipelines to track and log status of loans. Underwrite 3-5 files a day depending on number of condition reviews Perform due diligence audits reviewing loan files for completeness and accuracy. Respond to investor request for any trailing documents. EDUCATION

06/2010 Bachelor of Science: Business

University of Phoenix - Tempe, AZ

CERTIFICATIONS

DE Certified

ADDITIONAL INFORMATION

System Experience: Encompass, Salesforce, Mode, and Blend through Google. Loan Beam and Data verify

New Jersey State notary

QUALITY REVIEW AND DUE DILLIGENCE

Performed intricate review of loan documents, corporate and personal tax returns, Profit and Loss statements,

Balance Sheets, power of attorney, property title, appraisals, and trust documentation along with real estate

contracts to verify accuracy.

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Conducted post closing reviews on all loans,as well as writing rebuttal letters and repurchase letters.

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Re-worked income and assets on post closing loans and reviewed title and collateral documents.

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Responsible for analyzing and approving unusual complex consumer loans while following industry guidelines

When needed.

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