Loan Underwriter Processor

PROFESSIONAL EXPERIENCE

Loan Underwriter, non-QM Sept 2023- current

Apex Financial Group, Encino, CA

Underwriting residential 1-4 and multifamily loans per investor guidelines.

Bank statements, P&L, 1099, DSCR loans

Loan Underwriter, Private Money Lending Jun 2018 – Nov 2022

Easy Financial, Culver City, CA

Underwriting residential 1-4, multifamily & commercial loans per investor guidelines.

Entity documentation review and ownership structure verification

Review of rehab & construction budgets for “fix-and-flip” and “ground-up” loans

Ensure economic feasibility and general reasonability of construction, rehab, DSCR and non-QM loans

Financial analysis, risk analysis, cash flow analysis, and credit analysis of the borrowing business entities and collateral

Loan Underwriter, Secondary Market Jan 2012 – Nov 2014

Pennymac Corp, Moorpark, CA

Review and audit of closed loans for further resale

Inspecting all disclosures and signed loan documents for compliance

Experience with DU/LP

HSS2 (Loan Processor / Underwriter), Level 1 Oct 2009 – Dec 2011

Bank of America, Woodland Hills, CA

Underwriting loan applications and all loan documents

Providing conditional loan approvals and sign off on underwriting conditions.

Manual Underwriting authority for conforming loans

Income analysis for wage earners and self-employed borrowers

Complete analysis of loan applications and all supporting documentation

Compensating factors analysis

Review appraisals and title reports for compliance with lender guidelines and industry standards

Loan Processor / Underwriter Apr 2001–Oct 2009

Apex Financial Group, Encino, CA

Analysis of loan data to ensure compliance with lenders’ guidelines

Management of office pipeline from origination to funding and recording

Sales experience – loan origination

Income analysis; calculation of front/back end DTI

Credit analysis

Interface with clients and outside vendors to collect necessary documentation

SKILLS

Strong attention to details; verbal and written communication; multi-tasking; AUS including DU/LP; loan auditing; income and risk analysis; software – Word, Excel, etc.

EDUCATION

Master’s of Science Degree in Mechanical Engineering

Kazan University of Science and Technology, Kazan, Russia

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