Mortgage Underwriter
Resume:
Colleen Margis
******.*******@*****.***
OBJECTIVE
• To obtain an Underwriter position with a reputable company where I can utilize my skills, knowledge and experience.
SKILLS
• Proficient in: Microsoft Office, Excel Word & Outlook; Point, FHA connection.
• Aus DO/DU/LP, Clues, ordering, reading analyzing: credit reports, title reports, and appraisals.
• Accurately calculate income, all types.
• Loans: Conventional, Purchase, Refinance, Home Equity, Jumbo, Sub-Prime, and construction take out loans.
EMPLOYMENT HISTORY
Global Financial Review, Denver, Co. Apr.2011-present
Audit/review closed loan files for underwriting accuracy to guidelines, fraud, income, documentation and compliance.
Wells Fargo Bank, Irvine, Ca. Oct. 4 2010- Mar.2011
• Conventional loans, DU loans and DU Refi Plus & high balance loans
Nations Direct, Irvine, Ca. Jan 2010 to Mar. 2010
Processor
• Processed FHA/VA and Conventional loans
• Collected conditions, order all needed documents, opened escrows & title, ordered appraisals
• Used Point, FHA connection, Fraud-guard, Web/Docu-trac, AUS DO/DU
Magnifund Group, San Marcos, Ca. Dec. 2009 – Jan. 2010
Processor
• Processed FHA/VA and Conventional loans.
• Collected conditions, order all needed documents, opened escrows & title, ordered appraisals.
• Trained on new disclosures
• Used Point, FHA connection, Fraud-guard, Web/Docu-trac, AUS DO/DU,
REDC, Irvine, Ca. Dec. 2008 – Oct. 2009
Closing Specialist-FNMA
• Followed up on FNMA properties that sold at auction to insure timely closings.
• Handled expired files for seller approval of all amendments to closing dates or to contract.
• Handled property repair issues with FNMA and all FNMA vendors.
• Renegotiated contracts between seller (FNMA), buyer and agents
Homeview Landing, Lake Forest Ca. Feb. 2006 – Aug. 2007
Regional Operations Supervisor
• Transferred from NovaStar to help open new start up division
• Loan approval authority to $950,000, in all states, on all programs.
• Managed a team of 7-18 employees; account managers, underwriters, funder, QC person & set up person.
• Member of Credit Committee; review post closing audit trends, loan sale kicks and introduce new ideas, programs, incentives.
• Responsible of all production from loan submission through funding.
• Perform post closing audits to insure the quality of the underwrite.
• Administrative duties include approving payroll/time sheets, hiring, firing, training, performance review & promotions/merit increase.
NOVASTAR MORTGAGE, Lake Forest, Ca. Jan. 2001- Feb. 2006
Regional Operation Supervisor (2003- Feb. 2006)
• Transferred from NovaStar to help open new start up division
• Loan approval authority to $950,000, in all states, on all programs.
• Managed a team of 7-18 employees; account managers, underwriters, funder, QC person & set up person.
• Member of Credit Committee; review post closing audit trends, loan sale kicks and introduce new ideas, programs, incentives.
• Responsible of all production from loan submission through funding.
• Perform post closing audits to insure the quality of the underwrite.
LONG BEACH MORTGAGE COMPANY, Pleasanton, Ca. Feb. 1996- July 2000
Account Executive (March 1999- July 2000)
• Called on real estate broker offices to solicit business for loan submission
• Pre-qualified loan packages. Went out in field to gain sales experience.
Regional Sales Manager (March 1997- April 1998)
• Signing authority to $500,000-.
• Responsible for all internal branch production.
• Appraisal review & support of value, approved loan package for docs out.
• Title review, escrow & HUD review
• Final approved all files underwritten in insure proper documentation, accuracy & compliance.
• Managed a team of 7-20 employees.
Underwriter/Sr. Underwriter (Feb. 1996- Feb. 1997)
• Underwrote loan files for approval or denial.
• Credit grading, title review, appraisal review, income documentation & review.
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