Mortgage Underwriter

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

N. Weymouth, MA. *****

Cell: 240-***-****

Email:***************@*****.***

CHERYL A. SCIOSCIA

___________________________________________

OBJECTIVE: To utilize analytical, communications, training and language skills in a financial institution or funding foundation.

EDUCATION:

2003-2004 Registered Medical Assistant Certificate Program

The John Winslow Institute, Randolph, MA.

Major: Medical assisting, phlebotomy and electrocardiography studies.

1984-1986 Associate degree in Business Management

Quincy College, Quincy, Mass

Major: Business Management

Internship: Bella Obstetrics & Gynecology, Randolph, MA.

PROFESSIONAL EXPERIENCE:

2009 to Present Contract Underwriter

Spillane Consulting Associates

2007- 2009 Zone Coordinator

JetBlue Airways

Administrative Duties include:

• Prepare schedule, create gate sheet of all inbound and outbound flights for teams.

• Fill out Aircraft Load Sheets for Leads for every flight.

• Dispatch calls to Oxford for all ground inoperative equipment.

• Mail and Cargo Manifest for all inbound and outbound flights. Dispatch to mail runners and prepare spreadsheet reports for mail and cargo and all ground service equipment.

• Constant communication with the tower regarding all inbound and outbound flights and with all ground personnel.

2006-2007 Underwriting Manager

First Magnus Financial Corp

• Evaluated the subject property and financial strength and credit worthiness of the borrowers.

• Authorized to approve loans up to $750,000 based on documentation requirements of secondary market.

• Examined evaluated and recommended approval of customer applications for jumbo loans and prepared jumbo loan packages (to $750,000) for review by major private investors.

• Served as advisor and answered general underwriting questions for underwriters and originators.

• Dealt with borrowers, attorneys, brokers. various mortgage companies

• Walked borrowers through the application process and trained assistant underwriters.

• Evaluated the subject property and financial strength and credit worthiness of the borrowers

2000-2005 Contract Underwriter

GE Mortgage Insurance Company.

• Underwrite to FNMA/FHLMC guides for a number of investors.

• Automated underwriting with LP/DU/DO/AUC/ Wapp View/ Access Plus.

• Evaluated the subject property and financial strength and credit worthiness of the borrowers.

• Authorized to approve loans of up to $550,000 based on documentation requirements of secondary market.

• Responsible for underwriting 8-10 loans on a daily basis, clear conditions, and conditional commitment letters.

2000-2005 President

Wright Way Underwriting

• Processed residential loan applications from initial application to closing.

• Self taught various mortgage based software(s) in order to develop new clientele

• Reviewed borrower’s loan applications to insure completeness of data; verified information listed on applications and obtained additional documents required for sale of loans to secondary market.

• Evaluated the subject property and financial strength and credit worthiness of the borrowers.

1999-2000 Underwriter

Spillane Consulting Associates

• Temporary agency that contracts with the Mortgage and Banking industry.

• Compliance/quality control audits on closed residential loans at Spillane Consulting

• Trainer for the Du/LP System.

• Underwrite residential loans to FNMA, FHLMC guidelines; Automated Du/LP systems.

CERTIFICATIONS

2003-2005 AHA, BLS, CPR Certification

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