Walnut Creek Underwriter Iii

Louie Reyes

*** ****** ****, ****** ***** CA ****6

******.****@*****.*** 925-***-****

I am looking for an exciting and rewarding new job.

EXPERIENCE

American Pacific Mortgage Novato, CA

Remote Conventional & FHA Underwriter. July 2020 – Feb 2022

I underwrote 1165 files consisting of Conventional & FHA with some DPAs.

I exceeded all expectations and was given I tremendous raise in August 2021.

I helped reconcile pools of troubled loans.

Patelco Credit Union Pleasanton, CA

Remote Conventional Underwriter July 2019 – June 2020

I underwrote FNMA/FHLMC Retail loan packages along with other Patelco loan product.

I exceeded all expectations of my agreement consistently and provided leadership for others.

I assisted other departments in using and creating spreadsheets for more efficient tracking of loans.

Donovan Blatt Realty Costa Mesa, CA

Remote Underwriting Consultant – Part Time June 2016 – November 2018

Reviewed Retail mortgage loan packages to various investors per FHA/FNMA/FHLMC guidelines.

Instructed on guideline compliance issues regarding LDP/GSA and TRID issues.

Assisted in MIP calculations required by program guidelines.

CMG Financial San Ramon, CA

Remote Correspondent FHA Auditor August 2014 – June 2016

I audited exactly 2029 files and only received one moderate error early on in training.

I exceeded all expectations of my agreement consistently and provided leadership for others.

I lead a small group of auditors in reconciling several pools of troubled loans.

Gateway Bank, FSB Oakland, CA

Remote Retail & Wholesale Underwriter July 2012 – June 2014

I finished my underwriter training for FHA and received DE Certification.

I underwrote FNMA/FHLMC, Commercial and Portfolio Loans per industry and company guidelines.

I underwrote on average 6-10 Conventional files & 2-3 Commercial files per day with no errors.

Wells Fargo Home Mortgage Walnut Creek, CA

Senior Underwriter III July 2010 – May 2011

I began underwriter FHA training, however was laid off prior to achieving DE certification.

I underwrote FNMA/FHLMC Retail loan packages along with other WFMC loan product.

I reviewed Appraisals and aided in researching and resolving title issues.

Apple Mortgage, Inc., San Ramon, CA

Senior Underwriter III February 2008 – March 2010

I was helping a friend of a friend try to launch a brokerage which ultimately failed and closed.

I underwrote FNMA/FHLMC Retail loan packages for various lenders.

SRS Group, Inc. Walnut Creek, CA

Senior Mortgage Auditor July 2006 – December 2007

Audited Retail & Wholesale pools from different mortgage investors.

Underwrote troubled loans and reconciled the issues to acceptable standards.

Investors Realty & Mortgage Pleasanton, CA

Senior Underwriter III June 2004 – April 2006

Underwrote Retail & Wholesale loan packages to various multi-state investor guidelines.

Underwrote small pool of Commercial Loans ($30 million) to industry standards.

Loan City, Inc. Walnut Creek, CA

Senior Underwriter III December 2003 – May 2004

Underwrote Wholesale loan packages to FNMA/FHLMC and Non-Conforming guidelines.

Underwrote Special Projects – Defaulted Loans purchased from Washington Mutual.

Union Planters Financial San Ramon, CA

Senior Underwriter II April 2003 – October 2003

Underwrote Retail & Wholesale loan packages to various Prime and Sub-Prime guidelines.

Underwrote Special Projects to reconcile Defaulted Loans and/or resign them.

Residential Credit Corp. Westminster, CA

Senior Underwriter II January 2000 – March 2003

Underwrote Wholesale & Retail loan packages to Prime and Sub-Prime guidelines.

Underwrote extensive Commercial Loans

First Suburban Corporation Santa Ana Heights, CA

Senior Underwriter May 1997 – December 1999

Underwrote Retail FNMA & FHLMC and Non-Conforming loan packages.

Helped in creating QC standards and practices for firm.

Pacific Thrift & Loan Costa Mesa, CA

Junior Underwriter April 1993 – April 1997

Underwrote Retail Sub Prime loan packages to Non-Conforming guidelines.

Underwrote Commercial Loans per industry and company guidelines.

EDUCATION

TreeHouse.com, Online Programming Languages San Francisco, CA

For certifications received please view: https://teamtreehouse.com/loudog 9/2016 to Present

Languages learned: Python, iOS, Ruby, JavaScript, PHP, HTML, SQL, CSS, Java, WordPress, C# and more.

Orange Coast College Costa Mesa, CA

Biology Major, Chemistry Minor June 1987

GPA: 3.2

REFERENCES

Jamie Matson UW Manager / Novato Branch / American Pacific Mortgage

Jamie’s cell phone 707-***-****

Susan Wilson UW Manager / Patelco Credit Union

Susan’s cell phone 510-***-****

Christine Donovan Manager of Real Estate Services at Donovan Blatt Realty

Christine’s cell phone 714-***-**** -

Garry Zecca: Underwriting Manager at CMG Financial

Gary’s cell phone: 817-***-****

Margaret Molina: Underwriting Manager at Gateway Bank

Margaret’s direct line 510-***-****

Troy Huckins Underwriting Manager at Pacific Thrift & Loan

Troy’s cell phone: 707-***-****

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