Christopher Derouen

Certified Residential Underwriter

adypgx@r.postjobfree.com

713-***-****

Summary:

I am a mortgage due diligence expert with over 15 years of experience in both front and back end. The ability to learn quickly and adapt to new situations or job skills has been a necessity and is one of my best assets. I have graduated in the top ten in residential underwriting, achieving the “QC Checkpoints Top 15” based on speed and accuracy, recognized as a top performer several times.

Work Experience:

Zions Bancorporation, Amegy Bank 03/2022-7/2023

Responsible for manual and agency underwriting of mortgage loans.

Assessing income, assets, liabilities and collateral for conditional credit approval along with Clear to Close approval for both.

Evolve Mortgage Services 9/2020-1/2022

Responsible for reviewing frontline trailing docs, after initial setup and underwriting.

Assessing income, assets, liabilities, and collateral for conditional credit approval along with Clear to close approval for both

FHLMC and FNMA.

Full Third-Party Reviews, Closed Loan Due Diligence reviews for Secondary Market security pools for investors. Including

income, assets, liabilities, and appraisal reviews.

Situs AMC 05/2018-9/2020

Full Credit, Compliance and TRID Reviews for newly originated loans.

Legacy compliance reviews of aged loans, both performing and non-performing.

Tile and lien reviews.

Reverse Mortgage Solutions 07/2017-5/2018

Attorney chronological review for rebuttal of fees owed.

Reconcile make whole requests (MWR) received from investors in collaboration with

Investor negotiations to reduce RMS’ direct exposure for identified investor loss, in tandem with respective Client Services Managers. Report and initiate payment of confirmed RMS amounts due to investor. Validation of servicer’s compliance with HUD guidelines to ensure RMS is not penalized by investor or HUD erroneously. Partner with key functional areas (such as Claims, AP, REO, Legal, Finance, IT, etc.) to support a successful and accurate reconciliation process.

Mission Capital 9/2016-06/2017

CEMA Review; Assist QC with Findings.

Conduct due diligence underwriting of loan files submitted from various institutions including reviewing loan files for completeness and accuracy, analyzing credit documents including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance.

IBM / CDI, Inglet - Blair

Contractor 2/2016-08/2016

Performing short term contract rolls in both IT and due diligence.

Student @ My Computer Career. 11/2015-7/2016

Sutherland Mortgage Services 10/2014-8/2015 Manual Frontline Underwriter

Responsible for underwriting first mortgage loan applications. Level III. $417k signing authority.

FNMA, FHLMC – Income, assets, and collateral verification specialist, including manual underwriting. Self-employed income verified using FHLMC and FNMA forms 1084 and 91.

Reviewed submitted files for creditworthiness and eligibility per program, product specifications, and internal credit overlays.

Proficient in mortgage software: Citrix, DU, LP, Radar, Marlin, CLAS, ECLAS, ACCER, Homebase, LPS, LPM, ILS, Onbase, BKFS

Independent 2/2005 - present

Due Diligence Underwriter / Collateral Documents Analyst

Conduct due diligence underwriting of loan files submitted from various institutions including reviewing loan files for completeness and accuracy, analyzing credit documents including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance

Full asset and credit residential underwriter for all major investors including, but not limited to, conventional, scratch & dents, non-conforming, FDIC, FHA, VA, FNMA, FHLMC, consumer and new origination of single family, 2-4 family, home improvement

Experienced in the management of collateral and asset files for the acquisition, collapse and/or transfer of servicing loan portfolios

Critical document reviews and reconciliation of loans for sale within the private sector

Performed Quality Control / Quality Assurance on information extracted for accuracy and integrity

Government regulation audit for SCRA, HMDA, RESPA, TILA, Dodd-Frank Act & CFPB rules

Cognitive Options Group LLC 3/2013 - 3/2014 Due Diligence

Data extraction for tape downloads

Information extracted is taken from lenders loan approvals as to intent.

Tape data will be underwritten against actual documentation in the file to verify if documents support intent represented.

Performed Quality Control / Quality Assurance on information extracted for accuracy and integrity.

Promontory Financial Group LLC / Solomon Edwards Group LLC 7/2012 – 1/2013

Foreclosure Process Auditor

Quality Assurance / Quality Control reviews of loans originated to service members and civilians as to steps taken in foreclosure processes to determine if borrowers’ rights were violated due to service member’s protection under SCRA (Service members Civil Relief Act) and protection laws due to any bankruptcy filings that intersect with foreclosure processes.

Sutherland Mortgage Services 1/2012 –7/2012 Manual Frontline Underwriter

Responsible for underwriting first mortgage loan applications. $417k signing authority.

Clayton Group / PCI Staff Leasing, Inc. 1/2006 - 1/2012

Due Diligence Mortgage Underwriter

Due diligence underwriting, portfolio analysis, and compliance review projects and consumer loan reviews.

Conduct due diligence underwriting of loan files submitted from various institutions including reviewing loan files for completeness and accuracy, analyzing credit documents, including but not limited to, mortgage applications, credit history and income documents, title documents, appraisals, and all applicable compliance documents.

RoundPoint Mortgage 3/2008 - 5/2008 Collateral Analyst

Collateral restructure Servicing, Credit and Asset file review to determine collateral and asset documents to set up collateral and servicing files for a $300mm non-performing legacy loan portfolio.

Mortgage Contractor Solutions LLC 2/2005 – 9/2007

Collateral Documents Analyst

Collateral and asset file review along with collateral clean up prior to the collapse of a trust portfolio on the secondary market.

Education:

My Computer Career – IT Systems Administrator – Houston TX

Cisco, CompTIA, Microsoft Certified

McNeese State University – Lake Charles LA – General Studies

Certified Residential Underwriter

Introduction to Fraud Detection

Post-Closing Audit Review Certification

Appraisal Review Workshop Completion Certificate

Alfred M Barbe High School

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