FHA DE UW/Forensic UW
Resume:
SUMMARY OF QUALIFICATIONS
Self motivated, detail-oriented Direct Endorsement (DE) Underwriter, with 20 years professional experience in the mortgage lending industry. Specialize in Department Management; Residential Front-line Underwriting; Forensic Underwriter; Quality Control; Processing and Due Diligence of Conforming & Non-conforming Conventional and Government loans. Proven written and oral communication skills. Extremely organized and ability to multi-task and interact with all levels of staff and management. Strengths include:
• Solid analytical skills
• Team Builder /Team Player
• Management Leadership skills
• Stellar research skills
• Proven coaching ability
• Ability to work independently
• Bilingual (Fluent in English & Spanish)
PROFESSIONAL EXPERIENCE
CORELOGIC, Sunrise, FL 01/2011 - Present
FNMA Forensic and Due Diligence Underwriter/UW QC Lead
• FNMA UW QC Lead Forensic and Due Diligence Underwriter:
o Manage and over see quality control dept consisting of 10 quality control UW.
o Coach and provide feedback to 30 forensic review underwriters.
o Complete reports for delivery to FNMA on findings per pool of loans.
o Review and analyze loan data to origination guidelines for attorneys and government sponsored enterprises.
o Identify potential risk and fraud in a mortgage loan transaction via Real Quest, Loan Safe, MERS, Pacer, Lexis Nexis etc.
o Underwrite and evaluate compliance of loans to multiple seller and servicer guidelines.
o Verify the presence, accuracy, and completeness of credit, appraisal, and legal and regulatory compliance documents.
o Analyze and interpret loan-related documents.
o Explain any differences between data found in the file and guideline requirements.
MANPOWER PROFESSIONAL
(WELLS FARGO HOME MORTGAGE), Cranford, NJ 11/2009 – 11/2010
DE Underwriter / Quality Control and Forensic Underwriting
• DE Underwriter / Quality Control Analyst / Forensic Underwriter for Retail Lending:
o Reviewed documentation to ensure there were no violations to state and federal policies and procedures.
o Performed investigative work to identify and resolve any potential misrepresentation.
o Completed Quality Control review of the underwriter’s loan files.
o Provided daily coaching and feedback to the underwriters on any issues.
o Manually re-underwrote loan files to lender policy and federal guidelines to ensure compliance.
o Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex consumer loans and products within company and regulatory guidelines.
o Sign-off on 100% accuracy and verification of all documents.
PRECISE MORTGAGE PROCESSING, Miami, FL 05/2003 – 10/2009
Owner – Underwriter and Processing Manager
• Processing Manager:
o Managed a team of 10 processors to ensure due diligence.
o Utilized 3rd party automated tools to evaluate the validity of documents provided by brokers to ensure compliance with wholesale and correspondent guidelines.
o Responsible for obtaining appraisals, inspections, verification of employment & assets and preparing the loan file for underwriting.
• DE Underwriter:
o Provided onsite client services for various financial institutions.
o Underwrote Conventional and FHA residential loans for credit risk utilizing FNMA & FHLMC Automated Underwriting Systems.
o Manually underwrote and analyzed credit, income, assets and appraisal to meet all investor and compliance guidelines.
o Advised mortgage brokers and account executive on loan alternatives and scenarios to facilitate the loan approval.
o Answered questions and provided coaching to sales staff.
PREVIOUS EMPLOYMENT
Bank United, Miami Lakes, FL – Account Executive 12/2007 – 06/2008
Meritage Mortgage Corp., Miami, FL – Account Executive 08/2005 – 12/2007
Lend America Home Loans, Miami, FL – DE Underwriter 09/2002 – 07/2005
EDUCATIONAL COURSES
Edwin G. Foreman High School, Chicago, IL
CERTIFICATIONS
FHA Direct Endorsement Underwriter Certification CHUMS #AW28
Fair Credit Reporting Act Certification (FCRA)
COMPUTER SKILLS
Microsoft Office: Word, Excel and Outlook
Desktop Underwriter / Loan Prospector / Various Loan Origination Systems
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