Mortgage Underwriter Loan Specialist
Resume:
Melanie Grant Amodeo
*** ***** ******, *** ****, FL 32759
**********@*****.***
Mortgage Underwriter – Guaranty Home Mortgage Corporation (2020-11/2021)
Underwrote Conventional mortgages to $1MM using Automated Underwriting Systems in addition to Manual Underwriting.
Validated AUS decision including review of AUS to identify errors or additional conditions required by specific program guidelines.
Reviewed credit report for accuracy and red flags.
Worked with brokers and staff on guideline requirements, file-specific questions and exception requests.
Performed intricate review of all documentation submitted including personal and business tax returns, powers of attorney, trust documentation and real estate contracts.
Income calculated from paystubs, W2s as well as Tax Returns, Profit and Loss Statements and Balance Sheets.
Extensive appraisal review.
Validated all supporting documentation including credit, income, assets, appraisal, title and insurance.
Program identification, ensuring all corresponding guidelines are adhered to.
Reviewed and cleared conditions related to calculation of income, assets, collateral and credit.
Mortgage Underwriter – Digital Risk (2012-2014 and 2015-2019) Maitland, FL
Contract Origination Underwriter for conventional loans using Automated Underwriting Systems in addition to Manual Underwriting up to $1MM.
Reviewed complex financial documents including computing income utilizing tax returns, including Schedule C, S-Corp, Partnership, etc.
Validated AUS decision including review of AUS to identify errors or additional conditions required by specific program guidelines.
Extensive appraisal review.
Validated all supporting documentation including credit, income, assets, appraisal, title and insurance.
Program identification, ensuring all corresponding guidelines are adhered to.
Reviewed of credit report for accuracy and red flags.
Reviewed and cleared conditions related to calculation of income, assets, collateral and credit.
Forensic Underwriter performing in depth post-closing review to reveal possible fraud and misrepresentation of income and occupancy.
Loss Mitigation Underwriter–Wingspan Portfolio Advisors (2014-2015) Melbourne, FL.
Underwrote requests for mortgage relief per the Dodd-Frank legislation, including program identification and ensuring all corresponding guidelines were adhered to.
Reviewed and decisioned loans based on guidelines without the presence of an AUS approval to assess an individual’s creditworthiness and eligibility for the program.
Reviewed complex financial documents including computing income utilizing tax returns including Schedule C, S-Corp and partnerships.
Reviewed conditions related to calculation of income, assets, collateral and credit.
Validated all supporting documentation, including credit, income, assets, title, appraisal and insurance.
Reviewed credit report for accuracy and red flags.
Mortgage Loan Specialist – Republic Security Bank (1996-2001) West Palm Beach, FL
Gained direct FNMA DU submission and condition clearing experience.
Originated residential mortgage loans including 30% construction loans.
Obtained and reviewed conditions related to the calculation of income, assets, collateral and credit.
Program identification and ensuring all corresponding guidelines are adhered to.
Reviewed AUS decision including a review for errors and additional conditions required by the program guidelines.
Reviewed loans based on guidelines without the presence of an AUS approval to assess an individual’s creditworthiness.
Reviewed complex financial documents including computing income utilizing tax returns, Schedule C, S-Corp, Partnership, etc.
Assisted with Underwriting and due diligence on files from new acquisitions.
Reviewed appraisals for accuracy and compliance with guidelines.
Program identification and ensuring all corresponding guidelines are adhered to.
EDUCATION: BA, Florida Atlantic University
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