JOSE D. SILVA

San Antonio, *****

210-***-**** – advkz4@r.postjobfree.com

PROFESSIONAL SUMMARY

Highly experienced mortgage professional with extensive knowledge in Underwriting with proven ability to successfully build and lead high performing teams. Impeccable quality of work as demonstrated in audit and performance reviews.

SKILLS

• Problem Solving

• Time Management

• Verbal and Written Communication

• Critical Thinking

• Highly Efficient and Productive

• Bilingual (Spanish/English)

• Relationship Building

• HUD-1 RESPA HAMP

• Encompass DU/LP GFE

• FNMAE/FMAC, FHA/VA

WORK HISTORY

08/2020 to 06/2022

10/2019 to 08/2020

Conventional/FHA Underwriter

MR Cooper-San Antonio, TX (Remote)

• Expert knowledge of understanding income calculations, tax returns, credit reports, and red flags to determine appropriate application outcome

• Demonstrated ability to recognize red flags to identify ineligible properties by reviewing appraisals

• Responsible for FHA and Conventional streamline Refinance

• Accountable for reviewing all applicable guidelines, manuals, and memos to ensure compliant work

• Performed compliance reviews and fraud detection on file reviews

• Proven knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP)

Notary

Mobil Notary – San Antonio, TX

• Served as a notary for various mortgage lenders, title, and escrow companies to complete mortgage transactions

• Recognized for efficiency and dependability by signing and notarizing mortgage loan documents for several lenders

• Assisted law firms in notarizing legal documents

• Assist individuals with general notary needs

07/2019 to 10/2019 Jumbo Non-QM Mortgage Underwriter Radian – San Antonio, TX

• Approved Forward Mortgage loans utilizing DU

• Proven ability to successfully underwrite as demonstrated by $1.5 loan approval authority

• Responsible for analyzing personal and business tax returns, property, personal and business banking statements

• Served as a liaison between attorneys and appraisers to streamline the underwriting process

• Responsible to daily review of loan product matrix 10/2016 to 12/2018 Conventional/Jumbo Mortgage Underwriter Shared Services Solutions, LLC – San Antonio, TX

• Determined eligibility for mortgages by calculating debit to income ratios over financial statements

• Evaluated overall loan documents for accuracy and compliance to ensure loan was marketable

• Accountable for ensuring compliance requirements were met while meeting corporate underwriting protocols

• Cultivated relationships with broker community and sales representatives by providing timely updates on loan status

07/2016 to 10/2016 Non-QM Remote Jumbo Underwriter Clay Group – San Antonio, TX

• Performed underwriting for residential and constructional loans while adhering to all product guidelines

• Analyzed credit history, income documentation, loan packages, title reports and property appraisals

• Completed FHA Direct Endorsement Authority Training for credit authority

• Recognized for quality of work by receiving top level quality results on a monthly basis

01/2015 to 07/2016

First & Second Lien Conventional Mortgage Underwriter IBC First Equity Texas Mortgage Residential Mortgage Loans – Austin, TX

• Served as a team lead to develop daily underwriting workflow with leadership

• Analyzed consumers’ credit, income, and assets to determine loan approval

• Accountable for remaining current on all guidelines, memos, and manuals to provide quality and compliant work

• Performed accurate calculations of income in accordance with standard industry practices

05/2014 to 06/2014

10/2012 to 06/2013

06/2009 to 10/2012

12/2007 to 04/2009

Compliance Analyst

Chase-San Antonio, TX

• Responsible for coordinating and facilitating department wide meetings to communicate upcoming changes, identify opportunities, and build action plans

• Prepared metric reports to gauge performance by collecting, analyzing, and summarizing information

• Performed loan level testing to ensure organizational compliance with ECOA, FDCPA, FCRA, and RESPA

• Researched regulations to stay current with all trends in order to remain compliant

Conventional Mortgage Underwriter

USAA-San Antonio, TX

• Prepared and reviewed real estate loan applications and associated documentation including GFE, HUD-1, and RESPA, title and appraisal forms

• Incorporated lender guideline overlays

• Maintained knowledge of conventional mortgage programs and their policies and procedures

Work Director & Loss Mitigation Underwriter

Wells Fargo-San Antonio, TX

• Planned, coordinated, monitored, and provided performance feedback of daily flow from assigned projects

• Performed and provided underwriting functions of financial statements, credit report reviews and ratio calculations

• Prepared, reviewed, and approved consumer requests for HAMP loans

• Performed compliance reviews and fraud detection Assistant Finance Manager-Sales

Car Mart, USA- Villa Park, IL

• Performed, reviewed and submitted financial documents for potential clients

• Demonstrated outstanding customer service

• Performed financial arrangements for most suitable clients

• Reviewed and analyzed loan applications to approve or deny request MILITARY EXPERIENCE

United States Army National Guard

Fort Knox, KY

REFERENCES AVAILABLE UPON REQUEST

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