Underwriter Control Analyst
Resume:
Platon Huzyk
Santa Ana, Ca
******@*********.***
-20+ years underwriting conforming and jumbo loans
-Over 30 years’ experience in retail and wholesale lending
-Determined credit risks in a timely manner, using common sense, strong analytical and mathematical skills
-Manual and automated underwriting using Desktop Underwriter and Loan Prospector
-Proven ability to successfully lead others in daily activities and special projects
-Created a nationwide Broker Network for Quality Mortgage over of 2,000 brokers, resulting in 15 million dollars in Gross income within 2 years.
EXPERIENCE
Guaranteed Rate 09/2021-02/2022
Quality Control Analyst
Excelerate Capital 09/2019 – 06/2021
Prefunding Underwriter
-Review all origination and closing documentation for completeness, accuracy and compliance
-Recalculate income, ratios and assets to confirm accuracy and sufficiency
-Perform cash flow analysis of self-employed borrowers’ personal and business tax returns
-Report loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
-Condition for additional documentation as needed to cure deficiencies
-Performed quality assurance review of staff underwriters’ completed loan audits
-Review appraisal to meet investor guidelines.
-Review all Agency and Non Qualitative (non QM) loan files
Opus Capital Marketing Consultants. LLC 05/2019 – 09/2019
Underwriter (Temp Contract)
-Analyzed pre-funding conduit and delegated post-closing jumbo loans to confirm lender’s adherence to guidelines
-Audited FHA and conventional loans involved in litigation, repurchase and/or regulatory agency review
-Reviewed all origination and closing documentation for completeness, accuracy and compliance
-Recalculated income, ratios and assets to confirm accuracy and sufficiency
-Performed cash flow analysis of self-employed borrowers’ personal and business tax returns
-Reported loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
-Conditioned for additional documentation as needed to cure deficiencies
-Performed TRID analysis
Edge Mortgage Advisory Company 4/2015 – 1/2018
Underwriter
-Analyzed pre-funding conduit and delegated post-closing jumbo loans to confirm lender’s adherence to guidelines
-Audited FHA and conventional loans involved in litigation, repurchase and/or regulatory agency review
-Reviewed all origination and closing documentation for completeness, accuracy and compliance
-Recalculated income, ratios and assets to confirm accuracy and sufficiency
-Performed cash flow analysis of self-employed borrowers’ personal and business tax returns
-Reported loan deficiencies detailing each breach and the corresponding guideline, representation and warrant
-Conditioned for additional documentation as needed to cure deficiencies
-Performed quality assurance review of staff underwriters’ completed loan audits
-Trained underwriters using one on one direction and guidance
Carrington Mortgage 5/2012 – 10/2013
Underwriter
-Analyzed mortgage applications, credit and financial documentation to determine if borrowers were creditworthy
-Performed manual cash flow analysis of self-employed borrowers’ tax returns
-Determined if the proposed loans would provide a tangible benefit to borrowers
-Underwrote and audited for HAMP, Non-HAMP, and FHA programs for eligibility for loan modification.
-Ensured that credit approvals and loan documentation satisfied company policies, program and investor guidelines
-Successfully provided training for all new underwriting hires, ensuring compliance to all policy/procedures, and prepared and maintained performance reports for all associates.
Promontory Risk Review Temp Randstand 9/2011-5/2012
Complaint Analyst
-Analyzed loans suspected of being subject to fraudulent manipulation of income and pricing
-Reviewed all origination and closing documentation to determine the accuracy of the underwriter’s decisions
-Calculated income, uncontrolled cash out and housing and debt ratios to ensure the accuracy of the calculations
-Determined if borrowers would qualify for the original loan based on re-calculated income from tax transcripts
-Determined if borrowers should have received prime interest rates rather than the given sub-prime rates
-Determined if borrowers would have benefited from the finance of one loan opposed to the 2nd or 3rd liens
-Assisted in team training using one on one direction and guidance
US BANK Temp through Accountemps 7/2011-8/2011
Sr. Underwriter II
-Audited modifications to ensure adherence to bank policies and HAMP, HAUP and FDIC modification guidelines
-Calculated borrowers’ income, expenses and ratios to confirm accuracy of underwriters’ calculations
-Reviewed financial and collateral documentation to ensure all are dated within the required time period
-Analyzed declined loan modification requests to confirm that the denial justifications were valid
-Discussed loan deficiencies with underwriters to point out all required corrections and adjustments
Bank of America Temp Assignment 9/2010-1/2011
Government Services Underwriter
-Analyzed and reconciled bank data provided by the examiner and business information systems team
-Examined deposits to identify sensitive and potentially high uninsured deposit accounts
-Led claims agents in deposit insurance determinations
-Evaluated and manipulated data to ensure the accuracy of determinations and the integrity of information reported
-Professionally communicated the results of file reviews both verbally and in written form to internal and external customers.
-Developed training tools and trained peers to extract and analyze data needed to prepare management reports
Fieldstone Mortgage 10/2002-10/2010
Underwriter III/Team Manager
-Fully underwrote and approved all new incoming loans.
-Signing authority to $650,000.00
-Reviewed all appraisals and incoming conditions and rewrites, title reports and payoffs.
-Averaged 30 closed loans each month.
-Responded to client inquires and maintained contact with clients and lenders
Bank of America 3/2001 – 10/2002
Processor
-Analyzed mortgage applications, credit and financial documentation to determine credit approval
-Processed all incoming loans and set up for incoming conditions.
-Ensured credit approval and loan documentation satisfied company policies, program and regulatory guidelines
-Called out all payoffs/conditions with borrower prior to release of all funds.
EDUCATION
California State Polytechnic University, Pomona, Ca
Bachelor of Science, Communication Arts.
Saddleback back Junior College
Associate in Arts.
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