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Mortgage Underwriter/ Processor

United States
June 14, 2010

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**** **** ****** **** ****** GA 30096 (678) ***-****

OBJECTIVE Seeking a position with a progressive company that will encourage me to further diversify my professional and interpersonal experiences.

SYNOPSIS Accomplished Jr. Underwriter/ Senior Loan Processor with a unique blend of credit/ finance; customer service and collections. I possess a tremendous ability for handling multiple tasks. Experience in RESPA 2010 requirements; Retail and Wholesale market with Conventional, FHA, VA, Jumbo, Home Equity and Non-Conforming loans.

SKILLS DU/LP; DO; eMagic; UNFI; MLCS; Calyx Point; Loan Works; Problem Solving; Analytical; Technical; Decision-Making; Detailed-Oriented; Excellent Communicator with Exceptional Interpersonal skills



MAR 2008- PRESENT Jr Underwriter/ RESPA Reviewer

Job duties include but not limited to: Analyzing credit documents to ensure they are consistent and uphold company and industry guidelines; perform RESPA compliance reviews; implement fraud detection techniques; explain to Brokers &/ or Account Executives rationale behind credit decision; clear conditions; research & resolve issues and responses to inquires & questions; provide administrative support as needed and

process the ability to work under minimal supervision


NOV 2005 – JAN 2008 Sr Processor/ Contract Loan Servicer

Proficient in various automated underwriting & loan origination systems: LP/DU, e-Magic, Calyx Point and Loan Expert, etc. Work with Correspondent banks & mortgage companies submitting and processing conventional & government loans. Process an incredible ability to prioritize and work under deadlines. My unique blend of customer service skills allow me to work with various types of people with different personalities; demands and volume. Responsibilities include but not limited to: reviewing 1003 for completion & accuracy (i.e. pay stubs; asset documents, etc); ordering: title work, appraisal, credit reports &/or supplements; submitting files to Lenders, clear conditions and obtaining signed closing documents.


May 2005 – Oct 2005 Contract Sr Processor

Strong interaction with loan officers, borrowers, settlement agents, appraisers and realtors. Technology savvy, utilize various programs i.e. MLCS, Loan works, Calyx Point, etc. Knowledge of Fannie Mae & Freddie Mac guidelines. Handle multiple projects simultaneously; handle phone calls with various internal & external customers; review 1003s for credit/ debt ratios for purchase and refinance loans in accordance with guidelines. Consistently answered both oral and written inquires concerning loan process, credit rating/ issues. I have superb customer service skills, time management and ability to work with minimum supervision.

AFS Kennesaw, GA

March 2004 – May 2005 Sr Loan Processor

Facilitate loan and contract closing activities, reviewed, structured and procured non-conforming financing: grants, owner financing, jumbo loans and second mortgage opportunities. Reviewed loans to ensure income and collateral requirements were met and cleared conditions or collected additional information as necessary. Provided counseling on credit issues, estimated funds needed for closing including MECA document, subordination agreement, tax escrow, PMI and hazard insurance. Prepared documents for closings and forward documents to its respected location(s).

CITIMORTGAGE, INC Farmington Hills, MI

June 2003-March 2004 Contract Sr Processor

Reviewed client applications for purchase and refinance loans, credit/ debt ratios in accordance with conforming to FHA, VA & Conventional requirements. Prepared subordination agreements and obtained MECA document. I utilized DU/ LP, DE, Citrix, Laser Pro & Microsoft Office Suite. I proactively dealt with borrowers to keep them completely up to date of their loan status, using both oral & written communication skills. Cleared loan conditions and prepared closing documents. Excellent time management and great ability to work with minimum supervision.


Latin American Association (studying Spanish as a second language)

Capstone Institute of Mortgage Finance, Marietta GA

Howard University, Washington DC

References Available upon Request

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