Mortgage Loan Real Estate
Resume:
Claudia R Flynn Park
Jacksonville, Fla 32205
*************@*****.***
Work Experience:
Underwriter : 06/2023 – 04/2024 Triad Financial Services Jacksonville Fl
● Review credit reports all mortgage loan documents to verify credit worthiness,
as well as all assets for repayment of mortgage.
Underwriter : 12/2021 -04/2023 Change Lending, Irvine, CA
Reviewed completed mortgage loan packages for approval or denial based upon credit worthiness and appraised value
● Mortgages were all manually underwritten
● Lending authority $1.5 million
● Coordinated all approvals and closings with account managers, title clerks and processors
Underwriter: (10/2020-12/2021) HOMESIDE FINANCIAL, Glen St. Mary, FL
● Ensured files were compliant and met all secondary market requirements and investor overlays.
● Prepares/submits comprehensive Rebuttal responses and supporting documentation to the requestor.
● Manual underwriting included verifying occupancy, income, appraisal and completing a written summary and checklist.
● Expertise in manual review of GSE, private & bank owned loans.
● Analyzing and processing credit reports, recalculating income, and evaluating residential real estate appraisals.
● Assessing mortgage origination files for creditworthiness and underwriting requirements.
Underwriter: (06/15 – 07/2020) SITUSAMC, Jacksonville FL
● Ensured files were compliant and met all secondary market requirements and investor overlays.
● Manual underwriting and processing included verifying occupancy, income, appraisal and completing a
written summary and checklist.
● Expertise in manual review of GSE, private & bank owned loans.
● Defending lender clients against mortgage insurance rescissions and investor repurchase demands.
● Analyzing credit reports, recalculating income, and evaluating residential real estate appraisals.
● Assessing mortgage origination files for creditworthiness and underwriting requirements.
● Conducting analyses of mortgage origination issues raised by mortgage insurance companies or investors
and preparing written rebuttals to those issues.
Underwriter: (06/13 – 01/14) OPUS CMC, Jacksonville FL.
● Quality review of files for several different lenders. Review of all associated documents used at the time of refinance or purchase. Documents reviewed included all income documents (tax returns, paystubs, w2’s, P&L’s) any documents used for income, appraisals, credit reports, calculating income etc. Review for processing and quality assurance to confirm company as well as federal and state guidelines were adhered by for that loan.
Specialized Skills:
● Reliable and proactive, excellent organizational skills, analytical and complex problem solving, able to multi-task and work independantly with minimal supervision, energetic and highly motivated, people oriented, work well in team environment.
● Experienced with multiple software applications specific to the mortgage industry, as well as general office environment.
References:
● Cheri Greer JP Morgan Chase 904-***-**** *****.*******@*****.***
● Paige Leverette JP Morgan Chase 904-***-**** *****.*.*********@********.***
● Valerie Kloepping Homeside Financial 813-***-**** ****************@*****.***
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