Mortgage Underwriter Customer Service

Carmen Jones

*****************@*****.***

About Me:

Experienced Sr. Mortgage Underwriter with DE, VA, SAR/LAPP designations specializing in FHA, Reverse Mortgages, Conventional, USDA, Non-QM, equity lines of credit and a variety of specialty loan products. Complemented by government- licensed tax preparations skills and licensed insurance credentials. Skilled various mortgage software platforms including DU and GUS. Seeking a position with a reputable company to leverage my expertise while pursing professional growth. Dedicated to delivering high-quality results and driving long-term success for clients and the organization. Designations and Licenses:

FHA Chums, VA SAR, VA LAPP, GUS-USDA, Cal HFA Certification, MBA Certified Underwriter, Licensed tax preparer (CTEC), Excel Refresher Certification, Property and Casuality licensed. Skills:

5 Years Loss Mitigation/Risk/Audit, Risk based assessments, Ability to work under pressure while meeting SLA deadlines, customer service excellence. 8 Year history working remotely. Experienced mentoring loan processors and underwriters, Tech Skills:

Lendforce, Encompass, Mortgage Candance, Reverse Vision, Qantum, Sales Force, MERS, Data Verity, Plat Data, SAM, FHA Connection, MERS and others.

Employment History:

Reverse Mortgage Underwriter

Finance of America 11/2024 - Current

HECUM underwriter. Responsible for underwriting reverse mortgage wholesale loans. Meet and exceed SLA. clear conditions, manage and nurtured relationships with high-value brokers, ensuring exceptional service and long-term retention. Real Estate Transaction Coordinator

50 Stars Realty 11/2023 - 11/2024

Coordinator Responsible for handling purchase contract and escrow coordination along with processing, underwriting and real estate sales.

Insurance Account Manager/ Sales (Auto, Home, Commerical) Freeway Insurance 11/2023 - 11/2024

Specialize in sales, underwriting account management in a retail setting for personal auto insurance, home insurance, commercial use vehicles. Awarded top agent in the Southern California district. Senior FHA Reverse Underwriter

American Advisors Group 11/2021 - 01/2023

(Massive company scale down due to financial market crisis) As a mortgage underwriter my daily responsibility for this position requires reviewing loan application for completeness. Evaluate the submitted documents for the applicant's eligibility. Create assessment reports, research the applicant's credit worthiness, analyze potential loan risk and appraisal report analysis. Request additional documentation as needed, clear conditions. Retain extensive knowledge of the loan disciplines and processes, including legislative procedures and regulations. Senior FHA, VA and Conventional Underwriter

Carrington Mortgage 03/2021 - 11/2021

(Resigned for a new opportunity with career advancement) Wholesale underwriter responsible for underwriting manually downgraded FHA loans, VA loans and conventional refinance and purchase transactions. Determine eligibility and risk assessment. Review and clear appraisal reports, sign off conditions, issue CTC w hen all loan requirements are met. Provide excellent service, mentor loan processors and participate in weekly underwriting team huddles. Senior USDA, FHA and Conventional Underwriter

Nations Direct Mortgage 05/2020 - 02/2021

(Contract Position)

Underwrite USDA, FHA, VA, Conv and Non-QM loans for wholesale business partners. Review application and credit history for eligibility. Complete income worksheets, appraisal report analysis, clear conditions and issue CTC. Mentor loan processors, managed pipeline and provide excellent customer service.

Senior FHA, VA and Conventional Underwriter

Mr. Cooper/Nationstar 07/2019 - 05/2020 (Company downsize and restructure due to COVID) Retail underwriter responsible for underwriting manually downgraded FHA, VA and conventional refinance and purchase transactions. Review/clear conditions and issue CTC.

Senior FHA, VA, Conventional, USDA and Reverse Mortgage Underwriter Community Mortgage Lending 02/2017 -07/2019

Retail underwriter for a Credit Union service organization owned by a Farmers Insurance. Responsible for underwriting various loan product including FHA, VA, VA IRRL, Conventional, USDA, Cal HAFA, HELOC’s and construction to perm loans. Clear conditions and issue CTC.

EDUCATION: Cal State Fullerton-Business and technical school for tax preparation and insurance licensing.

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