Mortgage Loan Support Specialist
Resume:
EDUCATION
TUSKEGEE UNIVERSITY AL
CAPSTONE MORTGAGE INSTITUTE Marietta, GA
Certification Training Courses
NMLS: 2015 – Present DE Underwriter: 2003 – Present PHYLLIS
PHILPART
Experienced Mortgage
Underwriter
PROFILE
Highly resourceful, detail-oriented
professional consistently selected to
lead and resolve problems to move the
loan process forward. Solid
understanding of federal laws,
achieving a commendable 100%
compliance rate throughout
professional career. Strong
analytical and decision-making
skills. Exceptional written and oral
communication skills, clearly
articulating to clients, terms and
programs eligibility. DE Certified
and NMLS Certified
CONTACT
PHONE:
EMAIL:
*.********@*****.***
PROFESSIONAL EXPERIENCE
FOCUS PEOPLE (Contract Position) Atlanta, GA
April 2022 – January 2024
(HAF) Mortgage Underwriter
Duties: Provide assistance to the Processor and CDF team, review processed applications, assess eligibility, and if eligible, determine the amount of assistance to be provided to the Applicant pertaining to the Georgia Mortgage Assistance (HAF) Program. This program assists applicants in providing funds in order to bring their Mortgage Payment current.
GUARANTY HOME MORTGAGE Nashville, TN
Feb.2021 – Jan. 2022
Underwriter Loan Support Specialist
Worked closely with Mortgage Loan Originators, Senior Underwriters, and Closers to underwrite Conventional, FHA, Reverse Mortgages, and VA Mortgage Loans- including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet underwriting guidelines
Managed the Clear to Close process between the Originator, UW CTC, and the closing department
Conducts render a loan decision ensuring completeness, accuracy, and compliance
Reviews and analyzes loan transactions, title and credit reports, income/asset documentation, and collateral when submitted as conditions requested by an Underwriter
Analyzes documentation received from Loan Originator for acceptability and submit changes through the company’s system as needed SMALL BUSINESS ADMINISTRATION Atlanta, GA
July 2020 – Feb.2021- (Contract Position)
SBA Senior Loan Assistant Processor
Responds to inquiries from Applicants, their Representatives, and Agents Reviews pertinent facts and makes eligibility determinations by analyzing factors such as, intended use of proceeds, legislative and administrative limits etc. Contacts banks and other third parties to obtain information necessary to formulate loan recommendations.
ECHELON GROUP Woodstock, GA Oct. 2018 – June 2020 Mortgage Customer Service Representative
Documents loan history while responding to customers, investors, vendors/Authorized 3rd party inquiries, and researching/resolving these same inquiries
Provide customers with information requested through verbal or written correspondence while maintaining accurate balance statements, account history, and payoff amounts
Consistently answers approx. 75-100 incoming customer calls daily Assists with overflow callback calls from the Borrowers’ Maintains and processes requests for additions, changes, deletions of customers name from account records by ensuring proper documentation is received and investor guidelines are met
Review and explains escrow disclosure statements to borrowers (i.e., account shortages and overages)
Discuss and respond to inquiries regarding loan terms (i.e., FHA, Conventional, and VA loans)
Processed mortgage payments over the phone and responded to inquiries regarding Hazard and Flood issues with disbursements and tax issues RENEW FINANCIAL Alpharetta, GA Oct. 2017 – May. 2018 Senior Loan Processor/Underwriter
Led a wide range of tasks for the approval of PACE (Property Assessed Clean Energy) loans ranging from $250,000 to
$1 million for homeowners and contractors.
Conducted PACE Assessments which included evaluating and analyzing borrowers’ credit report, income verification, debt-to-income ratio, financial statements, appraisal documents and property titles. Performed risk assessments, evaluated assets as well and utilized DU/LP system. WIPRO LIMITED Atlanta, GA Mar. 2016 – July 2017
Senior Loan Processor – (Contract Position)
Freedom Mortgage FHA and Conventional Loans: Mar – Sept. 2016 Discover Home Equity Loans (HELOC): Sept. 2016 - July 2017 Managed all loan processing tasks upon underwriter approval for two financial institutions.
Restructured loans by clearing conditions and issuing changes to terms on previously approved loans.
Verified borrowers’ income and assets.
Ordered titles while complying with new TRID guidelines, appraisals and credit reports, including credit supplements or flood certifications. Reviewed HUD-1 with clients for accuracy and worked directly with closing attorney.
BANK OF AMERICA Charlotte, NC May 2015 – Dec. 2015 (Contract Position) Home Service Specialist II/Junior Underwriter Recruited as a Conventional Underwriter with a fast-track progression to FHA Processor managing more complex loans.
ADDITIONAL CONTRACT POSITIONS
SUNTRUST Atlanta, GA Mar. 2013 – June 2013
Conventional Underwriter
Reviewed, analyzed and approved individual consumer requests with a loan authority of $417,000. Included evaluating financial statements, credit reports, debt ratios and loan-to-value.
Employed fraud detection techniques, performed compliance reviews and assisted with loan renegotiations.
ROBERT HALF-PROMONTORY Atlanta, GA Feb. 2012 – Jan. 2013 Due Diligence/Underwriter-Wells Fargo – (Contract Position)
Supported Office of the Comptroller by disseminating and explaining changing guidelines and rules. Reviewed underwriting decisions for accuracy and completion. Validated computations of borrowers’ income, additional compensation, indebtedness, financial condition and proposed refunds/remediation.
Evaluated bankruptcy and foreclosure files to ensure federal compliance as it relates to HAMP/other programs.
Analyzed loan data and applied sets of underwriting guidelines utilizing FRDDS and LPS Web Direct.
Calculated inputs for NPV for cases that required re-evaluation.
Conducted a comprehensive and thorough review of files from loan origination to resolution. Included short sales, deeds in lieu, HAFA, loan modifications and foreclosures.
SKILLS
Credit and Income Analysis Risk Assessment
Training & Development Quality Assurance Time
Management
TRID Documentation Verification & Tracking Title
& Appraisal Review Fannie Mae HUD 1 Guidelines Customer Service Relationship Building
Maintaining Confidentiality Microsoft Word and
Excel
Contact this candidate