VICTOR M. ALVAREZ
GULFPORT, MS *9507
adwg34@r.postjobfree.com
Objective: Seeking a position with a Mortgage Company which will utilize my Experience and will reward achievement of company objectives with opportunities for advancement. PROFESSIONAL EXPERIENCE
WOLFE FINANCIAL DBA – INTEGRITY MORTGAGE GROUP 10/16 – 1/23 SR. UNDERWRITER – FHA/VA/USDA AND CONVENTIONAL
UNDERWRITE FHA/VA/USDA AND CONVENTIONAL FILES TO INVESTOR GUIDELINES AND OVERLAYS. ALSO ASSIST LOs WITH ANY SCENARIO TYPE QUESTIONS. Nations Lending Corporation 6/2016 - 10/2016
UNDERWRITING MANAGER / OPERATIONS MANAGER
MANAGE 3 SR. UNDERWRITERS AND 6 LOAN PROCESSORS. ASSIST MORTGAGE STAFF WITH UNDERWRITING SCENARIO QUESTIONS AND AUDIT REVIEWS. WORK WITH SALES MANAGERS AND LOAN OFFICERS ON ACCEPTABLILTY ON LOANS REGARDING CREDIT, INCOME, AND PROPERTY. ALSO UNDERWRITE, FHA, VA, USDA, AND CONVENTIONAL LOANS. ALSO UNDERWROTE FHA/VA AND CONVENTIONAL FILES FULL TIME
WOLFE FINANCIAL – DBA - INTEGRITY MORTGAGE GROUP 11/2014 - 5/2016 UNDERWRITING MANAGER
MANAGE 6+ UNDERWRITERS. HELP TO INSURE LOAN QUALITY BY ANSWERING UNDERWRITER QUESTIONS AND DOING 2ND REVIEWS ON MORE RISKY TRANSACTIONS. ALSO ANSWER QUESTIONS FROM LOAN OFFICERS AND HELP DIRECT THEM TO THE MOST APPROPRIATE LOAN PROGRAMS. ALSO UNDERWRITE FHA, USDA, VA, AND CONVENTIONAL FILES TO INVESTOR AND AGENCY CORRESPONDENT GUIDELINES AND OVERLAYS. ALSO UNDERWROTE FHA/VA/USDA AND CONVENTIONAL FILES FULL TIME.
FIRST NATIONAL BANK OF TRENTON 5/2011 - 11/2014
UNDERWRITING MANAGER
MANAGED UNDERWRITING DEPARTMENT TO ENSURE LOAN QUALITY AND EMPLOYEE EDUCATION. ALSO MANAGED / MAINTAINED OPERATIONS WORKFLOW FOR UNDERWRITING, POST CLOSING, CLOSING, AND FUNDING. ALSO ASSISTED IN UNDERWRITING FILES, FHA, VA, USDA, FANNIE MAE / FREDDIE MAC TO INVESTOR GUIDELINES. ALSO UNDERWROTE FHA/VA/USDA, AND CONVENTIONAL FILES FULL TIME.
VIEWPOINT MORTGAGE - 7/2010 - 4/2011
SENIOR UNDERWRITER – FHA/VA/USDA AND CONVENTIONAL
UNDEWROTE FHA/VA/USDA/CONVENTIONAL AND ONE-TIME CLOSE LOANS. ALSO CLEAR CONDITIONS AND ASSIST LOAN OFFICERS AND LOAN PROCESSORS WITH UNDERWRITING GUIDELINE QUESTIONS. ALSO ASSIST POST CLOSING WITH FHA/VA AND INVESTOR LOAN STIPS.
PRIMARY RESIDENTIAL MORTGAGE, INC – 2/2008 - 7/2010 DE/LAPP SENIOR UNDERWRITER AND CONVENTIONAL UNDERWRITER UNDERWROTE FHA, VA, USDA, AND CONVENTIONAL FILES IN A PAPERLESS ENVIRONMENT. ALSO CLEARED CONDITIONS AND ASSISTED LOAN OFFICER WITH GUIDELINE QUESTIONS. MAVERICK RESIDENTIAL MORTGAGE – 12/2003 - 1/2008
DE/LAPP SENIOR UNDERWRITER AND CONVENTIONAL UNDERWRITER SENIOR UNDERWRITER FOR RETAIL MORTGAGE COMPANY. HELPED ESTABLISH COMPANY GOVERNMENT UNDERWRITING GUIDELINES FOR RECENTLY ESTABLISHED GOVERNMENT UNDERWRITING DEPARTMENT. HELPED COMPLETE FHA TEST CASES FOR FINAL UNSUPERVISED COMPANY DE UNDERWRITING APPROVAL, COMPLETED IN LESS THAN THREE MONTHS. ALSO UNDERWRITE CONVENTIONAL FILES WITH MAIN BULK OF FILES UNDERWRITTEN BEING GOVERNMENT BSM FINANCIAL - dba BankSource Mortgage 2/2002 - 12/2003 DE/LAPP SENIOR UNDERWRITER AND CONVENTIONAL UNDERWRITER GOVERNMENT UNDERWRITER FOR RETAIL MORTGAGE COMPANY. UNDERWROTE 6 TO 7 NEW LOANS PER DAY AND CLEARED CONDITIONS. HELPED LOAN OFFICERS WITH FHA/VA UNDERWRITING GUIDELINE QUESTIONS. MAINLY UNDEWROTE GOVERNMENT LOANS, BUT ALSO DID UNDERWRITE 10 TO 25% CONVENTIONAL LOANS
FIRST UNION MORTGAGE CORPORATION 12/2001 - 2/2002
DE/LAPP SENIOR UNDERWRITER
UNDERWROTE 100 % GOVERNMENT LOANS. UNDERWROTE 5 TO 7 NEW LOANS A DAY AND CLEARED CONDITIONS. ANSWERED QUESTIONS FROM BROKERS AND HELPED BROKERS UNDERSTAND APPROVALS AND DENIALS.
NORTH AMERICAN MORTGAGE COMPANY 3/2001 - 12/2001
DE/LAPP SENIOR UNDERWRITER
UNDERWROTE MAINLY GOVERMENT LOANS, ALSO UNDERWROTE CONVENTIONAL AND NON-CONFORMING LOANS. NORTH AMERICAN HAS EVERY LOAN PRODUCT AVAILABLE IN THE MORTGAGE BUSINESS.
CREST MORTGAGE COMPANY 7/2000 - 3/2001
DE UNDERWRITER/ SENIOR LOAN PROCESSOR
UNDERWROTE AND PROCESSED FHA, VA, AND CONVENTIONAL LOANS. 95% OF FILES UNDERWRITTEN WERE MAINLY FHA. ALSO ORDERED CLOSING DOCS.
GMAC MORTGAGE - Subsidiary, Residential Alliance, LLC 9/1997 - 7/2000 MORTGAGE UNDERWRITER/CLOSER/PROCESSOR
UNDERWROTE, PROCESSED, AND CLOSED ALL FILES IN MY PIPELINE. PIPELINE USUALLY CONSISTED OF 30 TO 40 LOANS AND UP TO A MAXIMUM OF 65 LOANS. ALSO HAVE COMPLETED MBA COURSE ON MORTGAGE LOAN UNDERWRITING.
MORTGAGE CUSTOMER LOAN SPECIALIST/CLOSER
PROMOTED TO LOAN SPECIALIST AFTER SIX MONTHS. POSITION BASICALLY ENTAILED PROCESSING LOANS FROM START TO FINISH. ORDERING APPRAISALS, TITLE COMMITMENTS, SURVEYS, UNDERWRITING FILE AND CLOSING THE LOAN.
MORTGAGE LOAN PROCESSOR
PROCESSED FHA, VA, AND CONVENTIONAL MORTGAGE LOANS. RECEIVED MORTGAGE LOANS FROM LOAN OFFICERS AND PROCESSED LOAN FOR FINAL APPROVAL. MADE SURE THAT ALL LEGAL DOCUMENTS WERE CORRECT AND THE LOAN WAS IN COMPLIANCE. OHA FINANCIAL - dba One Hour Acceptance 6/1996 - 9/1997 LOAN PROCESSOR/FUNDER
DID AUDITING AND CREDIT INVESTIGATIONS ON AUTOMOBILE LOAN PACKETS. REVIEWED AUTOMOBILE CONTRACTS FOR LEGAL ERRORS. ALSO REVIEWED COMPLETE LOAN TO MAKE SURE IT MET THE COMPANY GUIDELINES FOR FUNDING.
FIRST LENDERS INDEMNITY COMPANY 4/1996 - 6/1996
UNDERWRITING CREDIT ANALYST
DID FINAL AUDITING ON AUTOMOBILE LOANS. REVIEWED ALL LEGAL DOCUMENTS AND MADE SURE THAT EACH ONE WAS PROPERLY FILLED OUT. DID LOAN ANALYSIS AND VERIFIED LOAN WAS BUYABLE.
FEDERAL EMERGENCY MANAGEMENT AGENCY 10/1995 - 4/1996 PARADOX REPORTS SUPERVISOR
DEVELOPED AND CREATED PARADOX REPORTS FOR ALL THE DISASTER REGIONS IN THE UNITED STATES. CHECKED REPORTS FOR ACCURACY AND PRECISION. ALSO TRAINED EMPLOYEES ON HOW TO RUN REPORTS.
FEDERAL DEBT MANAGEMENT- dba Dealer Finance Group 5/1995 - 10/1995 CREDIT ANALYST/LOAN OFFICER
ASSISTED ACQUISITIONS DEPARTMENT IN PURCHASING LOANS FROM CAR DEALERSHIPS. PULLED CREDIT BUREAUS AND REVIEWED APPLICATIONS TO SEE IF DEBT RATIO WAS IN LINE. IF THE LOAN WAS BUYABLE, TURNED IN FOR FUNDING.
TRANSAMERICA FINANCIAL SERVICES 2/1994 - 3/1995
ASSISTANT MANAGER/LOAN OFFICER
TOOK LOAN APPLICATIONS AND PULLED CREDIT REPORTS. PROCESSED LOANS FOR FINAL APPROVAL AND MADE COLLECTION CALLS. CLOSED LOANS AND HAD CHECK SIGNING AUTHORITY. FEDERAL EMERGENCY MANAGEMENT AGENCY 6/19 90 - 2/1996 LEAD COMPUTER OPERATOR
TELEPHONE OPERATOR SUPERVISOR
EDUCATION
UNIVERSITY OF NORTH TEXAS - DENTON, TX 5/ 1992
B.B.A. ECONOMICS
ADDITIONAL DATA:
COMPUTER EXPERIENCE: LOTUS 1-2-3 WORD PERFECT 5.1 EXCEL PARADOX MS WORD DOS
APPRO 4.2 PILOT WINDOWS
CALYX/POINT UNIFORM MLCS
DATATRAC WINDOWS XP ENCOMPASS 360
BILINGUAL: ENGLISH/SPANISH
CHUMS NUMBER OBTAINED IN 7/2000
VA SAR NUMBER OBTAINED IN 10/2001