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Mortgage Loan Underwriter

memphis, Tennessee, 38125, United States
May 30, 2010

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Ulrica Brooks

**** ****** **** ****, ******* TN *8125, (901) ***-****


To hold employment as a mortgage/loan modification underwriter to deliver best of expert level proficiency to the reputed financial organization.

Skills Summary

 Mortgage Loan Underwriting (Conforming/Sub Prime )

 HAMP Guidelines

 Imminent Default Modification Workbook

 Imminent Default Indicator


 Conventional Loan

 Reviewing Financial Statements

 Title Review

 Agent Desktop

 Lender Live/Guardian

 PEGA/Modification Portal

 Fidelity Lending Portal/MSP

 Calyx

 Disco, Lexis Nexis

 Soft Pro

Professional Experience

 Responsible for proposing repayment plans for delinquent mortgage holders

 Making decisions on Imminent Default Loan Modifications (Fannie Mae, Freddie Mac and Non-GSE)

 Reviewing loan modification packages

 Handling complex mortgage/modification transactions

 Reviewing AVM and BPOs (Broker Price Opinions).

 Handling Short Sales, Foreclosures, Forbearances, Loan Modifications and Deed-in- Lieu.

 Manage a certain loss amount due to Lenders.

 Confirmed the capability of client in returning the loan on time.

 Fraud detection technique and renegotiation of loans.

 Providing performance feedback and communicating with customers

 Carried out confidential inquiry to check the information provided by the loan seeker.

 Prepare loan documents for real estate closing.

 Prepare Settlement Statement.

 Interacting between Mortgage Broker and Lender.


University of Tennessee at Chattanooga-Chattanooga, TN- Criminal Justice- August 1991-May 1997

University of Phoenix-Memphis, TN-Healthcare Administration-November 2008-Current

Employment History

Chase Bank/Silicone Valley Staffing Service- Imminent Default Underwriter, Arlington, TX 76014 May 2010-Present

Gallagher and Associates, LLC –Loss Mitigation Specialist/Real Estate Closer, Memphis, TN May 2005-January 2010

NuPlace Lending-Memphis- Mortgage Loan Underwriter, TN June 2002-May 2005

True Lending Company-Memphis-Mortgage Loan Underwriter, TN February 1998-June 2002

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