Customer Service Real Estate

Jonathan Traynham

310-***-**** ****************@*****.*** https://www.linkedin.com/in/jonathan-traynham Summary

Good analytical thinker; great customer service skills; functions well independently; multi- task oriented; organized; resourceful; innovative; strong communication skills; internet savvy; excellent interpersonal skills

Experience

BUSINESS PURPOSE UNDERWRITER/Non QM NEXTRES LLC 2023 - PRESENT

• Communicate effectively with third parties such as brokers, title companies, insurance agents, real estate agents, etc. To ensure a smooth and efficient process.

• Evaluates and analyzes all loan packages including credit and collateral documentation to ensure investment quality loan product and seeks feedback from appraisal department on any questionable collateral.

• Checks accuracy of all calculations and analyzes debt service coverage.

• Assists with curing deficiencies in loan files as a result of failure to meet investor and/or company guidelines

• Exercises discretion and utilizes exceptional analytical abilities to detect discrepancies in documentation and/or information in order to protect company from fraudulent practices.

• Remains up to date and informed on all regulations and requirements as well as company guidelines and overlays.

Sr. NON-QM UNDERWRITER OPTIONWIDE FINANCIAL CORP 2019 – 2023

• Underwrite and approve non-QM and agency mortgages

• Maintain a large pipeline in a fast paced environment

• Expert on all loan product guidelines both Agency and Non-QM POST CLOSING SPECIALIST GENESIS CAPITAL LLC 2016 - 2019

• Package original collateral for submission to our warehouse facilities

• Prepare, maintain and track monthly margin maintenance and property status reports

• Support the Leverage/Secondary Market Team • Review the contents of the funded collateral and asset file for accuracy and completion

• Coordinate with internal and external parties in obtaining missing and/or required documentation for processing

• Ensure that all documents are executed completely with accurate data and required signatures were applicable (including but not limited to appraisals, recorded deeds, title policies, budgets, etc.)

• Assist with servicing coordinator to get matured files prepared for extension and/or payoffs

• File all final documents, i.e. recorded mortgage and final title policy in original loan file in vault up

UNDERWRITING CONSULTANT PROMONTORY FINANCIAL GROUP, LLC 2012 - 2016

• Managed financial risk, regulation and compliance for government entities such as the Treasury department with regard to subprime mortgage origination and foreclosure practices

• Re- certified loans as part of a class action lawsuit to determine if they were underwritten correctly and given prime pricing when eligible

• Reviewed income documentation including tax transcripts, K-1, 1120 and 1065’s to verify compliance with government guidelines at the date of origination

• Determined if there was a benefit to the borrower if they hypothetically had one loan instead of the two loans they were sold when they refinanced

• Examined foreclosure expenses incurred by the borrower and reimbursed these expenses when the foreclosure was due to income fraud, borrower was given a sub- prime rate when they qualified for prime rates, or were given two loans when there was no benefit to the borrower or the debt to income calculation was incorrect

• Re-qualified borrowers for additional compensation after a claim was submitted for an appeal

SENIOR UNDERWRITER WELLS FARGO MORTGAGE 2009 - 2012

• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines.

• Manual underwriting experience: review financial statements, credit reports, and applicable ratios (i.e. debt ratios, loan-to-value)

• Examine transactions to ensure accuracy and completeness; ensuring that documents are consistent and uphold to company and industry guidelines

• Implement fraud detection techniques, performing compliance reviews, communicate results verbally and written in a professional manor to third parties

• Thorough understanding of underwriting policies and procedures, as well as investor guidelines and regulatory updates including knowledge of FHA, VA, FNMA, and FMLMC guidelines and standards

• Knowledge of LP, DU underwriting as well as secondary market practices

• Review and understanding of complex tax documentation including K-1, 1120 and 1065’s

UNDERWRITER COUNTRYWIDE HOME LOANS 2001 - 2009

• Analyzed complex financial data (evaluate risk assessment, credit reports, appraisal reports, title reports, and investment history) within loan guidelines to calculate whether or not to approve a home loan

• Approved multimillion dollar loans and results driven

• 2nd highest producing underwriter at the Woodland Hills branch (Wholesale Lending Division) 6th highest in the region

• Proficient in reviewing personal/partnership and corporate tax returns including K-1, 1120 and 1065’s as well as all appraisal types

• Manual underwriting experience: Evaluated debt ratio, loan to value ratios, credit score, property valuation and various other risk factors at the highest volume branch in the nation Familiar with alt A and all prime loan products EDUCATION

THE UNIVERSITY OF CALIFORNIA LOS ANGELES

• Major: History

LOAN EXPERIENCE

Non-QM, Bridge, Fix & Flip, Ground up construction, DSCR (long term rental), 1-4 unit, Foreign National, Entity-ITIN, 12-24 Bank Statement loans, Asset depletion, Conventional

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