**** ****** ***

Temple City, CA *****

626-***-****

adw7q7@r.postjobfree.com

Meiye Pan

OBJECTIVE

Driven professional seeking a challenging role to leverage loan evaluation background and proficiency in multitasking, time management, and working under pressure. I demonstrate a strong work ethic, keen attention to detail, and adaptive problem-solving abilities to excel in dynamic environments.

EXPERIENCE

Nationstar/Mr. Cooper - Santa Ana CA - Underwriter II 09/2020 - 01/2023

● Demonstrated success as a Loan Underwriter with a track record of underwriting and approving 100+ primary agency loans per month, including VA IRRRL

● Maintained an average of over 90+ active loans in pipeline per month

● Analyzing and determining self employed income for Form 1040 Schedule C (Sole Proprietor), Form 1120S (S-Corp), Form 1065 (Partnership) and Form 1120 (C-Corp)

● Maintain a strong focus on details, ensuring that loans are approved within 24 hours of submission

● Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company, federal and agency standards and guidelines

● Analyze customer’s loan to value, debt to income ratio, credit report, application, income, assets and supporting documentation, while identifying potential fraud or misrepresentation

● Review appraisals to ensure that loans meet company and agency standards and guidelines

● Communicate with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan package

● Verify data input is accurate in Encompass to match Automated Underwriting System

(AUS)

● Maintain communication with management on status of loan in process and ensure all tracking is kept up to date on loan status

● Provide coverage for teammate, ability to work independently and remotely CIT/One West Bank - Pasadena, CA - Sr. Loan Processor / Jr. Underwriter 01/2016 - 09/2020

● Pre-underwritten and submitted to Senior Underwriter over 80+ completed and conditionally approved loan files per month

● Reviewed over 100+ conforming and non conforming loan files per month

● Offer recommendation and implement new process for better turn time

● Reviewed credit, income and assets to determine which documentation is needed to complete loan files

● Determine income for salaried and basic knowledge of self employed borrowers

● Assist loan processors with general guideline interpretations and answering questions on specific loan files

● Analyze customer’s loan to value, debt to income ratio, credit report, application, income, assets and supporting documentation to identify potential fraud or misrepresentation

● Verify data input is accurate in Encompass to match Automated Underwriting System (AUS)

● Communicate loan decisions to clients and internal departments in a timely fashion

● Received Employee of the Year award

Bank of America - Brea, CA - Home Services Specialist III 12/2009 - 12/2015

● Cleared conditions within signing authority on nonconforming and conforming purchases and refinance loan applications

● Ordered and reviewed title, appraisal, verification of mortgage history, payoff demands, and any additional documents from third parties as needed to meet loan stipulations

● Responsible for verifying conditions which includes income, assets, credit and any supporting requirements

● Resolved title issues including child support, vesting, judgments, mechanic and undisclosed liens

● Processed subordinations, resolves appraisal dispute and coordinate closing activities

● Maintain a high level of customer service by being proactive in communicating with customers

● Maintain communication with management on status of loan in process and ensure all tracking is kept up to date on loan status

● Trained and assisted entry level loan processors

● Advocate for the team (assist with team goal and provide coverage for any processor out of office)

● Received Top Performance and Top Quality awards

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