Mortgage Underwriter

**** ***** **. ****: 601-***-****

Jackson, MS *9202 Email: *******@*********.***

Mary E. Barham

Professional

Experience 6/2022 to 5/3/24 Gooi Mortgage, Inc, Des Moines, IA Underwriter

Remote Front Line Conforming Underwriter for numerous Clients. FNMA, FHLMC Conventional – all products for the past 2 years; Construction Loans; Construction Perm; Bridge Loans; and USDA. Non-QM Underwriter Lead for past 2 years (DSCR, Bank Statements – Personal & Business, 1099’s No Ratio, Multi-family loans, Jumbo loans); Portfolio/Manual Underwriter for numerous Clients. DU, LP AUS and Encompass. Loans underwritten to Client Guidelines and Agency Guidelines.

9/2020 to 2/17/2022 Guaranteed Rate, Inc., Chicago, IL Underwriter/Oversight Credit Analyst

Remote Front Line Underwriter for numerous Clients. FNMA, FHLMC, Conventional – all products, Conforming and Manual Underwriting. Construction Loans; Construction Perm; DU, LP AUS and Encompass. Remote Oversight Credit Analyst for review of new underwriter’s new loan files to ensure files are underwritten to Client and Agency Guidelines.

6/2017 to 8/2020 Gooi Mortgage, Inc, Des Moines, IA Underwriter

Remote Front Line Conforming Underwriter for numerous Clients. FNMA, FHLMC Conventional – all products for the past 2 years; Construction Loans; Construction Perm; Bridge Loans; and USDA. Portfolio/Manual Underwriter for numerous Clients. DU, LP AUS and Encompass. Loans underwritten to Client Guidelines and Agency Guidelines.

3/2016 to 5/2017 Mortgage Investors Group, Knoxville, TN Underwriter

Remote Front Line Wholesale/Correspondent Underwriter. FNMA, FHLMC Conventional – all products (including Construction and Construction Perm loans), FHA and RURAL Development loans. DU, LP AUS and Encompass.

2/2014 to 6/2014 ISGN Jackson, MS

Underwriter II

Remote Front Line Underwriter Conventional loans for clients of ISGN. FNMA and FHLMC guidelines for all products. DU, LP AUS and Encompass.

2/2014 to 6/2014 MS HOME CORP Jackson, MS

Federal Grant Processing Specialist

Underwriter for Hardest Hit Grant Program

10/2010 to 10/2013 Wells Fargo Minneapolis, MN

Senior Underwriter

Level 4C Front Line Underwriter Conventional Loans (All products - Purchase, Refinance, Construction, Construction Perm, High Balance, Time$aver, HARP, Non-Conforming Conventional, Manual Underwriter. 2nd Level Review for Denials and HARP >105% LTV. Mentor and coach processors. Review OPUS Appraisal Report daily. Do special projects requested by management.

10/2008 to 10/2010 CSI/ISGN/FJ STAFFING, INC Sarasota, FL Contract Underwriter/Auditor/Trainer – Wells Fargo Level 4C Front Line Underwriter Conventional Loans

(FNMA/FHLMC all products - Purchase, Refinance,

Construction, Construction Perm, High Balance, Time$aver, HARP, Manual Underwrite). 2nd Level Review for Denials and HARP >105% LTV. Re-Underwrite loans done by other

underwriters as requested by Management. Train and prepare materials for training. Mentor and coach new trainees, and underwriters and in teams. Audit loans for underwriters for 1C and 4C authority. Do special projects requested by management.

6/2007 to 5/2008 ECD/HOPE COMMUNITY CREDIT UNION

JACKSON, MS

Contract Underwriter and Employee

Underwriter/Processor/Closer

Underwrite, Process, Close Agency and Bank Conventional Loans, FHA Loans (DE CHUMS #L931), VA Loans (LAPP

approved, SAR #8291). DU and LP AUS. Assist in the training needs of the department, compliance and procedure manuals. Reviewed Quality Control Audits for responses. Responded to all FNMA Audits.

12/2003 to 6/2007 THE CLAYTON GROUP SHELTON, CT

Contract Underwriter

Due Diligence Quality Control and Underwriter for A and BC paper. Underwrite loans for various clients to their specifications. Perform Quality Control on loans underwritten for various clients. Assist Lead in reports, responses to client, guidelines for each assignment, and train underwriters on job site. Lead for several job assignments. Scratch and Dent training.

9/2002 to10/2003 Cimarron Mortgage Company Jackson, MS

Underwriting Team Lead

Manage the operations of Mortgage production function including Underwriting tasks. Manage underwriters in Jackson, MS and Atlanta, GA. Update the underwriters with new changes. Underwrite FNMA/FHLMC Convention loans – all products; Underwrite FHA loans.

2/2002 to 9/2002 Wells Fargo Home Mortgage Charlotte, NC Mortgage/HE Prod Mgr 1

Manage the operations of Mortgage production function including underwriting tasks. Manage underwriters and Junior underwriters, which involves making decisions relative to performance reviews, terminations, hires, discipline, salary actions, etc. Review all Test Cases. Review all 2nd level loans. Underwrite FNMA/FHLMC Conventional Loans – all products including Construction, Construction Perm loans; Underwrite FHA loans. Update the underwriters with new changes. Train employees on updates to guidelines and new programs. 4/2000 to 2/2002 MGIC/CMAC Decatur, AL

Contract Underwriter

Front-Line Underwriter for FNMA/FHLMC Conventional conforming loans (all products) for various clients to their specifications. LPA and DU AUS. Quality Control and Management.

7/1999 to 3/2000 Regions Mortgage Inc. Huntsville, AL Senior MLC/Underwriter

Underwrite Agency and Bank Conventional Loans (all products). FHA Loans and VA Loans. Delegated MI

Underwriter. LPA and DU AUS. Assist in the training needs of the department and certified each Coordinator.

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