Mortgage Loan A Home
Resume:
RESUME
PATRICIA
VANICHCHAGORN
15933
MALVERN HILL,
Baton
Rouge,
LA
70817
Phone:
Email: **************@*****.***
Objective
A
position as
a
residential mortgage loan
underwriter specializing
in
VA
Hom~
~oans
for veterans.
To
utilize
experience
in
underwriting
new
home
purchases
and
refinances for existing
home
loans.
Ability
Summary
.
Experience
in
analyzing
credit,
income
with
job
history,
assets and
purchase
contracts for
~or~owers
in
a home
loan purchase
transaction.
Credentialed
as
a
LAPP
Staff Appraisal
Review~r. Rev1~wmg
residential appraisals
via the
VA
Service
Portal
and
issuing Notice
of
Value
on
qualified
subJect
property
appraisals. Knowledge
of VA
Home
Loan
guidelines. Ability to navigate
the
VA
Webl~y Portal.
Skilled in use
of
DU
and
LP
automated underwriting
programs
and
agency
guidelines. Experience
using
Encompass
for
loan production
and
document
management.
Employment
History
09/2016-
09/2024
Residential
Mortgage Loan Underwriter
GMFS
LLC,
Baton
Rouge,
LA
Beginning
9/27/2016
I
was
hired
as
a VA Jr Underwriter
to
assist the
VA
Manager
while
training
to
become VA
Underwriter
which
was
a 3year period. I have a
thorough
knowledge
of
using
the
VA Portal
for ordering Certificates
of
Eligibility for
veteran
home
buyers.
I
ordered
VA appraisals as
well.
I
was one
of two
VA
Portal
Administrators
for
maintaining
portal
access
for
GMFS
loan
processors assisting
with
training and
guidance
for
VA
guidelines.
I
advanced
to becoming an approved
VA Credit
Underwriter
for home
purchases/refinances and
Lender's Staff Appraisal
Reviewer
(SAR)
issuing appraisal Notices
Of
Value
for selected residential
properties. Scope
of work
included underwriting home
loans
in
LA,MS,AL,FL,GA,TX,IL,TN,AR.
Underwrote home
loans to
VA
Lender's
Guide
and
Desktop
Underwriter.
Verified
income.
assets,
and
credit to confirm the veteran
was
qualified for the home
purchase/refinance.
Extensive knowledge of using
Encompass Mortgage
program.
Past experience
included
licensed residential
loan
originator, processor,
administrative
duties.
06/2007
-
08/2016 Loan
Officer
FIRST
CHOICE
MORTGAGE
LLC, DENHAM
SPGS,
LA
Residential
Mortgage
Loan
Originator. Taking
loan
applications
and
interacting
with the borrower
client throughout the processing of the
loan
information for
acc~racy
in employm~nt
his~ory
and
income
as
well as credit
and
asset analysis.
Assist
the
borrower
with
available
loan
programs
and
submitting completed file to
lender's
underwriting
department.
Once loan
is
approved continued through the
closing
of the
loan through local
title
agents.
Education
History
General
High
School Curriculum
High
School
Diploma
lstrouma
High School,
Baton
Rouge,
LA
Occupational
Licenses,
Certificates
and
Training
02/2020 LAPP/SAR
Veteran
Affairs
2/6/25, 10:4 7
AM
11/2019
08/2008
12/1989
Credit Standards
Veteran Affairs
NMLS
Office of Financial Services
Paralegal Program
LSU
Honors
&
Activities
None Specified
Additional Information
None Specified
Detailed References
References Available on Request
RESUME
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