Previous mortgage underwriter

Jennifer L. Anderson-Helms

*** ********* ***.

Portsmouth, VA 23707 United States 757-***-****

************@*****.***

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OBJECTIVE

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I am seeking a challenging career opportunity which will utilize my knowledge, skills, ability and experience while offering the potential for advancement.

I am an experienced Mortgage Underwriter with eleven years experience in the mortgage industry. In addition, I have several years of retail and restaurant management experience.

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WORK EXPERIENCE

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10/07 - 06/08

Mortgage Loan Processor Allied Home Mortgage Capital Corporation Virginia Beach, VA

Responsibilities included loan set up, running loans through AUS systems, calculating income and debt ratio, ordering FHA case numbers, placing loans with lenders, ordering appraisals, credit reports, title work, payoffs and verifications.

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03/97 - 03/07

Senior Underwriter/Risk Analyst FMF Capital, LLC Virginia Beach, VA

Set Up Clerk (3/97-7/97): Duties included setting up new loan pre-approval and final approval requests, faxing out approval and denial notices and preparing and mailing out RESPA documents to the borrowers.

Loan Processor (7/97-12/99): Duties included reviewing broker's RESPA compliance, reviewing borrower's application for errors and/or incomplete information, calculating the borrower's monthly income, calculating borrower's debt ratio, ordering changes to title commitments and insurance declarations pages, gathering conditions for underwriters review and being a liaison between the underwriter, broker and title company.

Senior Underwriter/Risk Analyst (1/00-03/07): Duties included reviewing broker's RESPA compliance, reviewing borrower's application for errors and/or incomplete information, reviewing income documentation for accuracy and fraud, calculating the borrower's monthly income, reviewing credit reports, calculating borrower's debt ratio, reviewing and deciphering mortgage payment histories, analyzing sales contracts, appraisals, title commitments and insurance policies. Additional duties included issuing loan approvals, denial notices and suspense notices and working closely with the broker's Loan Officers, Processors and FMF's Account Executives and internal staff.

Product Development Coordinator (est 1/03-12/03): In this position I assisted the legal department with the contracts with new investors, researched potential investor's products, did individual loan pricing for underwriters and assisted the secondary marketing department in pooling loans for sale for the investors particular product lines. In 2005 the company "Approved Financial Corp" was bought out by "FMF Capital LLC" at which time I was re-assigned as a Senior Underwriter as the overtaking company already had a full team of people in their "Product Development" and "Secondary Marketing" departments in the Corporate Headquarters located in Southfield, Michigan.

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03/95 - 03/97

Receptionist Colonial Chevrolet Norfolk, VA

Responsibilities and duties included greeting and directing customers, answering multiple-line switchboards, cashier, daily cash balance of cash drawer and assistant to the entire sales staff.

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08/93 - 03/95

Assistant Store Manager Blockbuster Video Portsmouth, VA

Responsibilities and duties included opening and closing procedures, supervising and delegating responsibilities to a crew of up to ten employees, daily balancing of all cash registers, making bank deposits, collections and maintaining inventory control.

Additional responsibilities were interviewing potential employees, assisting Store Manager with team meetings and handling employee disciplinary actions.

I also was responsible for working with customers to ensure all problems and questions were handled with both the customer and management satisfaction in consideration

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07/89 - 03/93

Assistant Store Manager Lee's Famous Recipe Muskegon, MI

Responsibilities and duties included managing a full kitchen, inventory management, product quality control, reviewing applications for employment, interviewing applicants for potential employment and supervising a work force of up to 10 employees at a time.

Additional duties included preparing and delivering catering orders for very large groups of people and working at catered events to ensure customer satisfaction.

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EDUCATION

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09/86 - 06/89 Muskegon Sr. High School Muskegon, MI

High School Diploma

• College prep and accounting-

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SKILLS

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• Type 52 wpm

• Microsoft Office

• Microsoft Word

• Microsoft Excel

• Adobe

• Several mortgage lending applications

• Multiple line switchboard

• 10 key adding machine

Contact this candidate