Mortgage Underwriter Quality Control

CARLOS MARTINEZ

MORTGAGE UNDERWRITER

720-***-**** *******@*****.*** www.linkedin.com/in/carlos-martinez-15a2228b/

Multifaceted and detail-oriented Mortgage Underwriter with comprehensive experience across the lending industry, including compliance, processing, mortgage underwriting, and loan account management. Analyzes and interprets highly complex financial data in alignment with investor guidelines and internal overlays to safeguard mortgage portfolios. Trusted partner and team player who cultivates diverse, cross-functional relationships to propel loans to the finish line. Customer-centric professional who resolves complex challenges with a deep understanding of interconnected systems and regulatory guidelines.

AREAS OF EXPERTISE

Mortgage Underwriting Loan Processing Credit Analysis Risk Assessment Loan Approval Regulatory Compliance (TRID, RESPA) Fraud Detection Collateral Evaluation Financial Analysis Quality Control Team Leadership Stakeholder Management Performance Management Post-Closing Review & Compliance Investor Guidelines Process Improvement Communication Business Relationships Non-Qualified Mortgage Strong Interpersonal Communication Efficient Organized

PROFESSIONAL EXPERIENCE

Wells Fargo (Contract) 2023 – 2023

Assistant Commercial Lender

Created and administered DocuSign documents for credit extensions, notes, modifications, and standby letters of credit, streamlining signature processes and ensuring compliance.

Proactively identified and communicated errors and issues to relationship managers and support staff, managing the status of all inbound and outbound transactions to drive efficient operations.

FM Loans 2021 – 2022

Senior Underwriter

Analyzed complex tax returns, credit documentation, income, assets, and appraisals for DU/LP loans and portfolio HELOC loans.

Adhered to investor guidelines and overlays, ensuring all loan processes met regulatory and compliance standards.

Evaluated and approved high-value and non-traditional mortgage products such as Jumbo and non-QM loans.

Communicated with cross-functional team members including loan officers, processors, and managers.

Promontory Mortgage 2020 – 2021

Senior Underwriter

Analyzed complex tax returns, credit documentation, income, assets, and appraisals for DU/LP loans and portfolio HELOC loans.

Adhered to investor guidelines and overlays, ensuring all loan processes met regulatory and compliance standards.

Underwrote four loans per day.

Computershare 2017 – 2020

Senior Mortgage Underwriter

Conducted comprehensive analysis of post-close loans, including credit, income, assets, and appraisals in alignment with quality standards.

Identified potential credit and fraud risks, applied necessary credit conditions, and provided credit signoff to enhance the integrity of loan approvals.

Maintained compliance with all regulatory requirements by reviewing and adhering to investor guidelines.

Assessed and underwrote four loans per day, including agency (Freddie Mac, DU) and non-traditional loan products with demonstrated expertise in non-QM and DSCR loans.

Managed investor rebuttals and resolved compliance errors below 10% such as credit income and appraisals, utilizing in-depth knowledge of TRID rules and regulations to maintain regulatory compliance and mitigate risk.

PROFESSIONAL EXPERIENCE CONTINUED

Stewart Lender Services/AMC/Allonhill 2011 – 2017

Mortgage Underwriter 2014 – 2017

Analyzed and underwrote loans, evaluating credit, income, assets, and appraisals to ensure sound lending decisions and safeguard the loan portfolio.

Identified and mitigated credit and potential fraud risks by applying necessary credit conditions and providing credit signoff.

Maintained compliance and alignment with regulatory standards, investor guidelines, and organizational overlays.

Compliance/Mortgage Credit Underwriter 2011 – 2014

Analyzed and underwrote loans, evaluating credit, income, assets, and appraisals to ensure sound lending decisions and safeguard the loan portfolio.

Identified and mitigated credit and potential fraud risks by applying necessary credit conditions and providing credit signoff.

Maintained compliance and alignment with regulatory standards, investor guidelines, and organizational overlays.

Early career history includes Processor and Underwriter at Golden Empire Mortgage, Processor and Underwriter at Bank of America, Loan Officer and Underwriter at Boulder Municipal Federal Credit Union, and Underwriter, Loan Account Supervisor, and Loan Account Manager at First Franklin Financial.

EDUCATION

Business Coursework Davenport College & Grand Rapids Community College

LANGUAGES

Spanish Fluent

TECHNICAL SKILLS

Microsoft Office (Word, Outlook, Excel, Teams, PowerPoint) Loan Origination Software (LOS) Automated Underwriting Systems Various Mortgage Platforms including Encompass Slack

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