Seasoned Mortgage Underwriter and Operations Lead

JANEESE AGUIRRE

Irvine, CA *****

+1-949-***-**** - *******@******.***

PROFESSIONAL SUMMARY

Experienced professional with over 30 years of experience in the mortgage industry, Knowledge of FHA, VA, Conventional, Jumbo, and NonQM. Skilled management leadership, works well in a fast paced environment, multi tasking, and being a team player.

Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise. SKILLS

• Underwriting Wholesale/Retail • Loan Processing

• Analyzing Appraisal Reports • Credit and Income Analysis

• Sales Inbound and Outbound • Management of Warehouse Lines

• Structuring Loans • Knowledge FNMA

• Knowledge FHLMC • Knowledge VA

• Knowledge FHA • Knowledge Jumbo

• Knowledge Non QM • Condo Guidelines & Approvals

• Obtaining LP and DU Approvals • Management of Staff

• Operating on Calyx System • Reviewing Loans for Compliance

• Real Estate Sales and Listings • Audit procedures

• Team leadership • Client communication

• Loan origination • Quality assurance

• Application review • Problem solving

• Efficient with use of MLS

WORK HISTORY

07/2005 to Current Operations and Underwriter

1st Nationwide Mortgage – Irvine, CA

Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

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Documented underwriting decisions and provided evidence of compliance with applicable regulations.

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Strengthened compliance with industry standards, conducting regular audits of underwriting procedures.

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• Supervised operations staff and kept employees compliant with company policies and procedures.

• Led hiring, onboarding and training of new hires to fulfill business requirements. 03/2001 to 07/2005 Contract Mortgage Processor

NA Nationwide Mortgage – Mission Viejo, CA

Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.

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Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.

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Reduced loan application processing time by diligently reviewing and verifying applicant information.

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Set up and completed loan submission packages for FNMA, FHLMC. Jumbo, Subprime, FHA, and VA transactions

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Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.

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• Prepared file for final clear-to-close and pass through the QC review 08/1999 to 02/2001 Sr Underwriter (FNMA Subprime)

United Lending Group – Irvine, CA

Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.

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Reviewed loan submissions to make accurate decisions by borrowers qualifications, accounting for risk, hazards, and exposure.

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• Sole conventional underwriter for most successful sales team in Irvine region. Underwrote Jumbo, FNMA/FHLMC, Subprime, and 2nd TD's in a wholesale lending environment

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EDUCATION

01/1987 High School: General Studies

La Mirada High School

CERTIFICATIONS

• Licensed California DRE Broker

• Licensed Mortgage Loan Officer state of Washington

• Licensed California Notary Public

LANGUAGES

English

Full Professional

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