Jackie Kanyangarara

**** ******** *** ********** ****** TX 75126

ady9he@r.postjobfree.com 469-***-****

Technologies, Systems and Applications

Microsoft Office Suite, Google Doc, Epic Underwriter, Encompass, H2O, DU, LP, DataVerify, Datatree, Work Number

Point Digital Jan 2022 to date

Equity Underwriter

Review dockets in pipeline and underwrite to guidelines of the company

Review credit report for undisclosed debt, judgements, liens, derogatory credit and other red flags.

Appraisal review

Equity underwriting

Title Report, Credit Report, Point Options, LOTV

Pricing

NewRez LLC / Shelloint Oct 2020 to Nov 2021

Underwriter

Review the loan application and underwrite conventional loans

Analyze and calculate qualifying income for self-employment, rental and w2 income

Review Title and Appraisals

Review the credit report for undisclosed debt, judgements, liens, derogatory credit and other red flags. Review Bank Statements, W2, Credit Report,

Assessed credit report, payment history and income documentation to calculate applicable debt ratios and determined creditworthiness

Analyzed financial statements, P&L, Balance Sheet

Approve or decline loans based on risk classifications and adherence to underwriting guidelines

Returned applications with additional documentation to the loan Officer for review

Ensured compliance with regulatory standards and compliance with company policies and guidance

Underwriting of conventional, Purchase and Refinance

Covuis LLC July 2020 - Oct 2020

Underwriter

Calculate self- employment, rental income and W2 income

Review Title and appraisals, Bank statements (assets), Credit report

Review and analysis of the mortgage loan application and loan documents, underwrite Conventional loans, making credit decisions for the approval or denial.

Analyze employment profile, credit strength, property characteristics and all other information pertaining to the credit decision on each mortgage application

Review documents for compliance with internal and regulatory guidelines

Audit loan after funding

Tax Link Services, Dallas TX June 2016 - July 2020

Junior Underwriter

Reviewed borrower applications and documentation to ensure they were processed and underwritten in accordance with internal policies and investor guidelines and secondary market requirements

Analyzed employment profile, credit strength, property characteristics and all other information pertaining to the credit decision on each mortgage application

Analyzed and calculated qualifying income from various sources such as W2, pay stub, rental income documents and self-employment documents

Reviewed conditions submitted on loans and sign off on conditions where appropriate

Ensured loans met quality assurance, compliance, policy adherence and risk guidelines

Reviewed property appraisals, title insurance information to ensure all potential risks were mitigated

Identified red flags, ensuring each flag has been addressed and loan meets guidelines

Education Marketing & Sales Degree – Institute of Marketing Management of South Africa

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