Mortgage Underwriter

**** ******* ***** ***** ****** GA ***** • 678-***-**** • *.**********@*****.***

Ernson Wilcinot

Objective

Mortgage Professional seeking to obtain employment stability and advancement in a proficient and steady establishment which will allow me to utilize my expertise acquired through numerous years of experience.

Functional Summary

Proven track record of sufficient time management, multitasking, and assignment prioritization in a fast paced environment while proficiently and successfully achieving and maintaining exact goals. Possess over 10 years of mortgage lending and financial services experiences.

Summary of Qualifications

Detailed oriented, client focused individual who works well in a team environment as well as individually. Areas of expertise include:

• Investigative, Analytical and organizational skills

• Exceptional Oral and Written communication Skills

• Extensive Expertise of Income and Credit Documentation

• Credit risk Detection and Prevention

• Credit, Income, and property Collateral Analysis

• Effective Interpersonal and Interactive Skills

Experience

11/2004 - Present Success Mortgage, Inc Macon, GA

Frontline Mortgage Underwriter

• Underwrite conventional mortgage loan applications for purchase, refinance, new construction, conforming and non-conforming, signing authority of one million dollar.

• Liaison between Loan processor(s) and Loan Originator(s) to assist in gathering, verifying, and compiling all necessary loan documentation for successful file closing(s).

• Provide training and development for loan processor and Underwriter new hires.

• Review credit, income, assets, appraisals, insurance, collateral stipulations and verify lock and point objectives for accuracy.

• Responsible for mortgage loan file auditing and compliance standards and requirements.

05/2003 - 08/2004 Asset Direct Mortgage, LLC Marietta, GA

Retail Mortgage Underwriter Manager

• Underwrote conforming and non-conforming mortgage loan applications manually and through automated underwriting, purchase and refinance with systems signing authority of 1.5 million dollar.

• Worked closely with loan processors, loan originators and account managers, and took necessary steps within Lender’s specific guidelines towards loan approval, resolutions and closings.

• Responsible for the review and resolution of issues pertaining to income, credit, collateral, and all associated loan documentation required to complete the mortgage loan file.

• Loan files auditing, compliance and funding standards and requirements of the Department of Banking and Finance.

• Loss mitigation/ forensic underwriting

07/1999 – 05/2003 Money Tree Mortgage, LLC Woodstock, GA

Retail Frontline Underwriter/ Loan originator/ Loan Processor

• Manually underwrote and processed conventional conforming and non-conforming residential mortgage loans to various approved lenders’ specific guidelines, purchase and refinance, signing authority of eight-hundred thousands dollars.

• Reviewed credit, income documentation, and collateral to determine loan approval and conditions while communicating loan approval requirements and lending decision to necessary parties.

• Responsible for loan files auditing, compliance, closing, and funding standards and requirements as specified by lender and Banking and Finance.

• Worked closely with loan processors, loan originators and account managers, and took necessary steps within Lender’s specific guidelines towards loan approval, resolutions and closings.

• Responsible for ordering, reviewing, and resolution for title commitments, insurance, appraisals, and all associated loan documentation required to complete the mortgage loan files.

• Responsible for hiring and training of new processors and underwriters.

Education

1993 – 1997 Grambling State University Grambling, LA

1997 – 1999 Gupton Jones College Atlanta, GA

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