ERICK F. HERNANDEZ

*** *. ******* **** *******, Arizona 85295

480-***-**** advh9f@r.postjobfree.com

SUMMARY:

** **** ***** ** ******** Industry Experience-Retail, Wholesale and Non-QM, Remote/Branch and Loan Center Experience. Great communication and Customer Service Skills.

DE / VA SAR / LAPP / Jumbo Loans / Manual Underwriting / USDA Designations / Bond Loans

Bilingual in English/Spanish

Ability to multi-task in a fast pace environment with ongoing change.

Familiar with PC systems including Windows, Encompass, Empower, Max, Data Trac, Point Calyx, Lending QB, Word, Excel, LIS, LPS, Edge, PM2, AS400, IHM, TAS, Loan Soft, DU, LP, GUS, Fraud Guard, Data Verify Extensive knowledge of Conventional, FNMA, FHLMC, FHA, VA, USDA, HUD REO, Bond Loans, DPA programs, Jumbo, and New Construction Programs, Fannie Mae Direct.

1 Year LAHC, 1 Year MCC, Diploma in basic CAD at CAD Institute

PROFESSIONAL EXPERIENCE:

Equity Prime Mortgage LLC 2/2022 - 7/2022

Senior Underwriter- Wholesale

Review and analyze loan submissions and make final credit decisions while maintaining expected production and quality control standards.

Provide guidance, coaching and direction for processors, Account Mangers and Loan Officers/Brokers and Account Executives as needed.

Serve as a Resource for Loan Scenarios.

Underwrite Conventional, FNMA, FHLMC, VA, and FHA Purchase, Rate and Term refinance, VA IRRRL(s) and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Analyzes risk appropriately by assessing property information including purchase contract, escrow instructions

And preliminary Title Report.

Stearns Lending LLC 9/2020 - 12/2021

Senior Underwriter/JV Division / KBHS Home Loans

Review and analyze loan submissions and make final credit decisions while maintaining expected production and quality control standards.

Provide guidance, coaching and direction for processors, and Loan Officers/Brokers and Account Executives as needed.

Serve as a Resource for Loan Scenarios.

Underwrite Conventional, FNMA, FHLMC, VA, and FHA Purchase, Rate and Term refinance, VA IRRRL(s) and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Analyzed risk appropriately by assessing property information including purchase contract, escrow instructions

And preliminary Title Report.

Loan Depot 3/2020 - 9/2020

Underwriter IV- Wholesale

Review and analyze loan submissions and make final credit decisions while maintaining expected production and quality control standards.

Provide guidance, coaching and direction for processors, Account Mangers and Loan Officers/Brokers and Account Executives as needed.

Serve as a Resource for Loan Scenarios.

Underwrite Conventional, FNMA, FHLMC, VA, and FHA Purchase, Rate and Term refinance, VA IRRRL(s) and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Analyzed risk appropriately by assessing property information including purchase contract, escrow instructions

And preliminary Title Report.

Nationstar Mortgage / Mr. Cooper 6/2019 - 3/2020

Underwriter III- Wholesale

Review and analyze loan submissions and make final credit decisions while maintaining expected production and quality control standards.

Provide guidance, coaching and direction for processors, Account Mangers and Loan Officers/Brokers and Account Executives as needed.

Serve as a Resource for Loan Scenarios.

Underwrite Conventional, FNMA, FHLMC, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Verify information on mortgage loan applications, Evaluate mortgage applicant’s employment, debt and income according to policy.

Provide training and assistance to Underwriter l and Underwriter ll to assist and improve performance.

Oaktree Funding Corporation 10/2018 – 5/2019

Business Development Manager

Develop a growth strategy focused both on financial gain and customer satisfaction.

Conduct research, cold calling, generating new leads and prospecting accounts for Agency, Non-Conforming,

Government Loans and Non-QM Loans.

Arrange business meetings with prospective clients.

Promote Company’s products and services addressing or predicting clients’ objectives.

Manage, coach and train Brokers and their processors on our website and submission process for increased production.

Using CRM automation tools to track progress and report goals.

Manage, review loan documents for pre-quals and pre-underwrite and calculate income as needed.

Meet company’s minimum daily metric requirements.

On Q Financial 6/2018 - 9/2018

Senior Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production and quality control standards.

Provide guidance, coaching and direction for processors and Loan Officers as needed.

Serve as a Resource for Loan Scenarios.

Underwrite Conventional, FNMA, FHLMC, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Complete all research needed in order to provide complete assistance to underwriting and production staff.

Verify information on mortgage loan applications, Evaluate mortgage applicant’s employment, debt and income according to policy.

Sovereign Lending Group 11/2017 - 5/2018

Senior Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production and quality control standards.

Provide guidance, coaching and direction for processors and Loan Officers as needed.

Serve as a Resource for Loan Scenarios.

Underwrite Conventional, FNMA, FHLMC, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Complete all research needed in order to provide complete assistance to underwriting and production staff.

Verify information on mortgage loan applications, Evaluate mortgage applicant’s employment, debt and income according to policy.

Citywide Home Loans 2/2017 - 9/2017

Corporate Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Provide guidance, coaching and direction for processors and Loan Officers as needed

Underwrite Conventional, FNMA, FHLMC, Jumbo, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Complete all research needed in order to provide complete assistance to underwriting and production staff.

Verify information on mortgage loan applications, Evaluate mortgage applicant’s employment, debt and income according to policy.

Quickly assess risk and make quality decisions on mortgage applications.

Handle review of income and credit Escalations for exceptions as needed and appraisal reviews for all loan types.

Peoples Home Equity 9/2016 - 1/2017

Senior Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Provide guidance, coaching and direction for processors and Loan Officers as needed

Underwrite Conventional, FNMA, FHLMC, Jumbo, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Complete all research needed in order to provide complete assistance to underwriting and production staff.

Handle review of income and credit Escalations for exceptions as needed and appraisal reviews for all loan types.

Cornerstone Home Lending Inc. 1/2015 - 10/2016

Underwriting Support Specialist /Credit Policy Analyst

Handle all incoming questions and inquiries received by the either by phone or email in a manner consistent with the philosophy of the UWSHD by following established protocols and processes.

Complete all research needed in order to provide complete assistance to underwriting and production staff.

Participate in weekly Help Desk conference calls and monthly Underwriting 411 calls.

Serve as point person on assigned loan type in obtaining clarifications / requirements including VA, FHA, USDA, new construction and Bond loans.

Complete other tasks, research and projects as assigned by upper management.

Research all updates with all agency guidelines and provide input to Team Resource for updating input of Cornerstone guidelines and overlays.

Handle review of income and credit Escalations for exceptions as needed and appraisal reviews for all loan types.

Primary Residential Mortgage Inc. 07/2014 - 10/2014

Senior Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Work with processors, closers and Loan Officers in a team environment to ensure prompt and accurate solutions for approvals, suspended and declined loans.

Provide guidance, coaching and direction for processors and Loan Officers as needed.

Underwrite Conventional, FNMA, FHLMC, Jumbo, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Communicate all loan decisions to processors, and Loan Officers.

Homeowners Financial Group 12/2013 - 7/2014

Corporate Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Work with processors, closers and Loan Officers in a team environment to ensure prompt and accurate solutions for approvals, suspended and declined loans.

Provide guidance, coaching and direction for processors and Loan Officers as needed.

Underwrite Conventional, FNMA, FHLMC, Jumbo, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Communicate all loan decisions to processors, and Loan Officers.

Academy Mortgage 10/2011 - 9/2013

Senior Underwriter

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Work with processors, closers and Loan Officers in a team environment to ensure prompt and accurate solutions for approvals, suspended and declined loans.

Provide guidance, coaching and direction for processors and Loan Officers as needed.

Underwrite Conventional, FNMA, FHLMC, Jumbo, VA, FHA and USDA Rural Housing, Purchase, Rate and Term refinance, VA IRRRL and FHA Streamlines with high volume of New Construction Loans. Manually underwrite loans as needed.

Communicate all loan decisions to processors, and Loan Officers.

Bank of America 9/2010 - 10/2011

DE Mortgage Underwriter- Wholesale

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Work with processors, closers and Loan Officers/Brokers and Account

Executives in a team environment to ensure prompt and accurate solutions for approvals, suspended and declined loans.

Adhere to Bank of America’s fair lending policies.

Underwrite FNMA, FHLMC, FHA Purchase, Rate and Term and FHA Streamlines.

Meet all departmental goals for productivity, quality, and turn times.

Communicate all loan decision to processors, and Loan Officers.

Wells Fargo 4/2009 - 8/2010

DE Mortgage Underwriter III

Review and analyze loan submissions and make final credit decisions while maintaining expected production.

Work with processors, closers and HMC’s in a team environment to ensure prompt and accurate solutions for approvals, suspended and declined loans.

Adhere to all Wells Fargo fair lending policies.

Underwrite FHA, Conventional Purchase and Refinance transactions. Manual underwrites as needed.

Underwrite HARP FNMA, FMAC, DU Re-fi plus, and HAMP as needed.

Meet all departmental goals for productivity, quality, and turn times.

Communicate all loan decision to processors, and HMC’s.

Contact this candidate