Data Entry Underwriter

PATRICIA BARBARIN

North Las Vegas, NV ***** 661-***-**** *****************@*****.***

Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Property Appraisals

Underwriting Calculations

Loan Approval and Denial

Freddie Mac and Fannie Mae Compliance

Underwriting Process Expertise

Underwriting Understanding

Risk Assessment

Desktop Underwriter

File Analysis

Automated Underwriting Systems

Government Standards

Excellent Communication

Multitasking Abilities

Branch Underwriter, 01/2008 - 01/2023

Golden Empire Mortgage – Palmdale, CA

Analyzed credit, income, compliance, title documents and appraisals during underwriting process. Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.

Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.

Controlled loss by assessing risk, conducting system analysis and recommending policy solutions. Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.

Total knowledge of FHA, VA, CONVENTIONAL, DPA PROGRAMS, FHA DE, CA LAP. Underwriting Manager, 06/2002 - 11/2007

North American Mortgage – Irvine, California

Developed and implemented underwriting policies and procedures, establishing useful and accurate PROFESSIONAL SUMMARY

SKILLS

WORK HISTORY

processing of applications.

Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.

Collaborated with other professionals to develop innovative underwriting solutions. Analyzed data to identify trends and predict future insurance needs. Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.

Worked effectively in fast-paced environments.

Gained extensive knowledge in data entry, analysis and reporting. Self-motivated, with a strong sense of personal responsibility. Underwriter, 07/1993 - 07/2002

Federal Home Loan Mortgage Corporation, Freddie Mac – Sherman Oaks, California Determined and documented loan conditions and communicated requirements and decisions. Analyzed credit, income, compliance, title documents, and appraisals during underwriting process. Identified and resolved application discrepancies for accuracy and compliance with relevant regulations. Documented underwriting decisions and provided evidence of compliance with applicable regulations. High School Diploma: 06/1963

Los Angeles High Scool - Los Angeles, CA

Just wanted to clarify the dates of previous employment, had to guess as company no longer in business but wanted to include my work experience and not sure about dates with FHLMC but wanted my experience included.

EDUCATION

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