Loan Officers Help Desk
Resume:
ANGELICA JAMES
ady4u4@r.postjobfree.com
PROFESSIONAL SUMMARY
Over sixteen years of experience in mortgage banking with strong analytical and decision- making skills. Organized, detail oriented, high energy, enthusiastic and dependable individual who excels in challenging and competitive environments. Competent in setting priorities and meeting deadlines with ability to learn new skills quickly. SKILLS
DE and SAR/LAPP certified.
Successfully completed test case event with HUD for bank approval.
Assist with training peers to gain LAPP approval.
Second sign VA loans.
Experience with Non-QM/DSCR/Bank Statement/P&L/1099.
Assist in scenario help desk in previous positions.
Experience in multiple LOS systems: Encompass, Calyx/Point, Datatrac, Empower and proprietary LOS systems.
EXPERIENCE
HomeBridge 5 Park Plaza 10th Floor, Irvine, CA 92614 Government Underwriter (Remote) Wholesale (4/2018-Current)
DE/SAR Underwriter.
Apply internal overlays underwriting
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and loan officers.
Continuously remain updated on new policies and procedures.
Work with origination staff to help structure or restructure loans.
Help build relationships with origination staff and processors.
Complete second level reviews for new underwriters on VA loans.
Underwrite Non-QM loans DSCR/Bank Statement/P&L/1099.
Remain up to date on BSA/AML, FinCEN, fraud, money laundering etc. annual training
LoanPal 4200 Von Karman Ave, Newport Beach, CA 92660 Government Underwriter (Remote) Retail (10/2017-02/2018)
DE/SAR Underwriter.
Applied internal overlays underwriting
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and loan officers.
Continuously remain updated on new policies and procedures.
Work with origination staff to help structure or restructure loans.
Help build relationships with origination staff and processors. LoanDepot 3090 Bristol St Costa Mesa, CA 92626
Government Underwriter (Remote) Wholesale (11/2016-10/2017)
DE/SAR Underwriter.
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and loan officers.
Worked in POD set up with 2nd highest producing Originator.
Consistently one of the top producers by production per hour.
Continuously remain updated on new policies and procedures.
Work with origination staff to help structure or restructure loans.
Help build relationships with Brokers and Account Executives. Stearns Lending 22800 Savi Ranch Pkwy Yorba Linda, CA 92887 Government Underwriter (Remote) Wholesale (03/2016-11/2016)
DE/SAR Underwriter.
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and loan officers.
Continuously remain updated on new policies and procedures.
Work with origination staff to help structure or restructure loans.
Help build relationships with Brokers and Account Executives. Mortgage Financial Services 1202 W. Bitters San Antonio, TX 78216 Government Underwriter (Retail) (07/15-04/2016)
Senior DE/SAR Underwriter.
Second sign VA loans.
Underwrite to several investors’ guidelines.
Upload requested VA loans to VA portal for audit.
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and loan officers.
Continuously remain updated on new policies and procedures.
Work with origination staff to help structure or restructure loans.
Serve as VA scenario subject matter expert.
Assist with Underwriting Scenario Help desk questions.
Help build relationships with new Loan Officers.
Assisted in training peer underwriter to obtain VA SAR. Orion Lending 3110 Chino Ave Chino Hills, CA 91709 Government Underwriter (Remote) Wholesale (04/15-07/15)
Underwrite to several investors’ guidelines for VA and FHA loans.
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and brokers.
Continuously remain updated on new policies and procedures.
Assisted with underwriting scenarios from brokers and Loan officers.
Attended and participated in monthly meetings for process improvement.
Assist with bringing over new Account Executives and their broker’s. Motive Lending 18401 Von Karman STE 300 Irvine, CA 92612 Government Underwriter (Remote) Wholesale (10/14-04/15)
Underwrite to several investors’ guidelines for VA and FHA loans.
Communicate effectively with origination team and brokers.
Continuously remain updated on new policies and procedures.
Work with origination staff to clear loans to close.
Second level review new underwriter’s loans.
Served on underwriting scenario help desk by either phone or email.
Participated in weekly meetings for process improvements and feedback.
Train team members to help obtain VA/SAR through SAR TPSS. Clear Vision Funding 3 MacArthur Place Santa Ana, CA 92707 Government Underwriter (Remote) Wholesale (06/14-10/14)
Underwrite to several investors’ guidelines for VA and FHA loans.
Underwrite to the highest level of accuracy to ensure salability to investors.
Communicate effectively with origination team and brokers.
Continuously remain updated on new policies and procedures. Lone Star National Bank 930 Proton Rd Ste 106 San Antonio, TX 78258 Sr. Government Underwriter (02/14 – 06/14)
Assist team members with loan scenarios and difficult transactions to ensure salability.
Created checklists for FHA, VA, and conventional loans specific to investor guidelines.
Underwrite to several investors’ guidelines.
Issued training to my team and assisted in their SAR certification.
Communicate effectively with origination team.
Underwrite FHA test cases for bank’s HUD approval, sent packages to HUD for test cases review and sent packages to HUD for test cases review.
Assisted processing team with scenario questions and loan process.
Communicated with team members to improve process. Legacy Mutual 3503 Paesanos Parkway San Antonio, TX 78231 Government Underwriter (09/13 – 01/14)
Underwrite to several investors’ guidelines.
Underwrite to the highest level of accuracy to ensure salability to investors.
Worked with loan officers to try to find a solution to decision difficult loans. Wells Fargo 4101 Wiseman Boulevard, San Antonio, TX 78251 (06/02-09/13) Multiple positions held.
Fulfillment Underwriter (01/11-09/13)
DE/SAR Underwriter.
Visit branch offices to build rapport with Processors and Loan officers.
Review highest complexity Conventional, FHA and VA loans, which may require an exception to policy, complicated tax returns, multiple rental properties and/or maximum debt to income ratios.
Perform valuation reviews of appraisal reports for single-family units, multi units, condominiums, and manufactured homes to determine if subject meet federal, USPAP and Wells Fargo policy and standards. Serve as second level reviewer for new trainees testing for new signing authority and continue to serve as a mentor once signing authority has been achieved.
Communicate all loan decisions to processors and Loan Representatives.
Issue NOV’s within 5 days using VA and USPAP standards. Responsible for residential appraisal evaluations ensuring the value is supported by documentation in report along with verifying primary risk factors associated with collateral have been addressed.
Restructure loans if needed to offer a sound underwriting decision.
Continuously remain updated on most recent policies and procedures.
Work in high paced, high production environment managing multiple priorities throughout the day.
Loss Mitigation Underwriter (09/09-01/11)
Review FHA loans that are in pre-foreclosure and provide appropriate assistance if borrower qualifies which included HAMP review.
Ensured all loans are reviewed same day in high production environment.
Reviewed income documentation to ensure borrowers can afford mortgage payment going forward.
Reviewed property reports, credit, and FHA guidelines to ensure compliance on all decisions.
Ran HUDPC program for team which includes second level review. Conventional Underwriter (07/05-01/11)
Served as second level reviewer for underwriters with less signing authority.
Served as primary contact for all communications with borrowers and sales.
Managed heavy workload and multi-tasked to meet performance goals around productivity, volume, and quality.
Clearly and concisely communicated status and loan decisions to borrower and mortgage consultants from the receipt of application through underwriting and closing.
Continuously remained updated on new policies and procedures.
Documented any suspicious activity on mortgage loans regarding BSA/AML. Section Manager (05/03-07/05)
Lead team to maintain quality scores above the department standards and consistently meet 24-hour turnaround time.
Directly supervised up to seven Quality Control Specialists. Interviewed, trained, conducted performance evaluations, employee disciplinary actions and set/adjusted schedules in a high production environment.
Developed training materials for new system implementation or any new process to distribute to all specialists.
Adjusted daily staffing levels and workload, determined priorities to ensure all deliverables were met within established guidelines.
Provided coaching and training for all staff members based on individual performance and departmental objectives.
Quality Control/Redraw (06/02-05/03)
Performed pre-funding audits on mortgage loans to ensure compliance, policy and procedure were being met for each loan.
Overall goal was to minimize risk to the association.
Ensured 24-hour turnaround times were met daily in high production environment.
Communicated effectively with field personnel, management, and upper-level management.
REFERENCES
Available upon request.
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