SUMMARY:

• Highly qualified and accomplished mortgage professional
• Highly qualified mortgage industry professional offering experience in Project Management, Underwriting, Processing, QA Analyst and mortgage compliance
• Combine expert technical and analytical qualification along with broad knowledge and background in mortgage underwriting.
• Loan processing, QA Analyst, mortgage compliance, Confidential property management, appraisal analysis, title analysis, risk management, loss mitigation while utilizing due diligence and attention to detail.
• Offer strong background within closing, Confidential loan servicing, conventional loan servicing, asset management and bank foreclosure REO strategiesLeveraged strong negotiation skills, achieving ranking as a top producer, surpassing all quotas and consistently creating favorable outcomes.
• Delivered dynamic, highly effective training presentations that were clear and concise, conveying facts and information in an engaging manner.
• Innovator problem solver with advance knowledge of the complete mortgage process and particular expertise in the operational side of the mortgage industry.
• Successfully managed multiple projects including scope, issues, risks, assumptions, change management, contracts, financial budgets, project teams and schedules.
• Spurred business growth and long - term profitability through effective use of client relationship management techniques and outperforming the competition.

CORE BUSINESS COMPETENCIES:

• B2B Communications Single Family Residential
• Appraisal Negotiation Wholesale and Broker
• Confidential REO Acquisitions New construction/Commercial
• Process Improvement Outreach and Training
• Project Management Negotiations and Issues Management

COMPUTER SKILLS:

Database Application: AS400, IVA209 accounting software, Lawson, SAP, Brio, Focus 101, 102, Great Plains, Mortgage Software Oracle, Genesis, Extra NTS, Calyx Points, Wise, Desktop Originator Fannie Mae (DU) Freddie Mac (LP), EMS, SAMS, P260, Confidential Connection, CAVIRS,LIS, LMS, Yardi, ALS, ACES Web, Landlord Max,Agile, Shaw Retail, Sales force, QTP, QuickBooks and, Advance Microsoft Office products.

RELATED PROFESSIONAL EXPERIENCE:

Confidential

Post Fund Analyst/QC Auditor

Responsibilities:

• Review funding requests submitted by correspondent/ broker lenders for completeness and acceptability for funding.
• Calculate, input, review, and approve wire information into computer to generate a funding advice.
• Communicate with brokers to assist in resolution of incomplete loan files.
• Provide telephone training on requirements and procedures as needed.
• Other duties as assigned

Confidential, Minneapolis, MN

Consumer Loan Underwriter

Responsibilities:

• Reviewed financial statements, credit reports, environmental screen and applicable ratios (i.e. debt ratios, loan-to-value).
• Evaluated, examined transactions to ensure accuracy & completeness, prepared formal reports for review, ensuring that documents are consistent and uphold to company & industry guidelines from Title X of the Confidential Confidential .
• Applied sharp organizational, analytical, and multi-tasking abilities while executing second-level reviews on numerous complex loans submitted for denial, cancellation, second signature and counteroffers.
• Maintained a dynamic dialogue with senior management and an active role in evaluating and structuring transaction Utilizing Fannie Mae and Freddie Mac lender guidelines with signing authority up to $1.5M averaging 7-9 files per day.
• Familiarity utilizing Automated Loan Selection (ALS) and QTP

Confidential, Brooklyn, NY

QA Underwriter Analysis

Responsibilities:

• Special emphasis on fraud review and early payment defaults.
• Reviewed confirmed application information (1003) against other documents within the file: validate employment, verification of income, assets, etc. Identify underwriting/data discrepancies and other diligence issues.
• Processed and calculated and verified income structure (employment verification, tax returns, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets
• Reviewed loans for governmental compliance related items, i.e. EES, TILA, ROR, and miscellaneous disclosures.
• Reviewed and verified credit report (FICO pay history, debt validation).
• Reviewed other real estate owned (i.e., disposition of property, rental income).
• Reviewed appraisals to support value, BPO, determine flipping, comps are reasonable, etc.
• Package and shipped loan files to closed with all the legal required forms and documentation to protect the investor(s)and company from any future legal action.
• Close attention to detail to ensure accuracy of complex legal document data entered into QA loan analysis spreadsheet
• Familiarity utilizing Automated Loan selection system (ALS)

Confidential, Minneapolis, Minnesota

Real Estate Property Manager

Responsibilities:

• Processed, reviewed, verified completeness to ensure compliance with regulatory, legal approval, governmental and company policies, and procedures for all loan products to make sure closing package are within the company and investor(s) guidelines.
• Performed QA analysis on titles, appraisal(s) in accordance that loan amount matches analyze comps in areas of subject properties according to underwriting policies with necessary documentations including lead based paint, and compliance of HUD for Confidential insurance
• Evaluated, examined transactions to ensure accuracy & completeness, prepared formal reports for review, ensuring that documents are consistent and uphold to company & industry guidelines from Title X of the Confidential Confidential
• Requested copy of sheriff sales, New Ad, bills, deed, grant deed, quick sale and deed-in-lieu of foreclosure requests.
• Managed all facets of large scale of 6 state of real estate own project with broad scope to ensure company goals are met.
• Ensure payment has been entered accurately with attention to detail in database for sold, lease or rental properties.
• Provide guidance and information for the first time home buyer and low income families.
• Underwritten prequalification borrower(s) to get outside financing.
• Order, process, reviewed, approved Environmental screen, property condition reports and work order for property rehab.
• Handled issues, resolve complaints, negotiations bids with vendor completed work order are met within the scope of the company budget and goal.

Confidential

Project Compliance Underwriter

Responsibilities:

• Underwrite budget, invoice approvals, and arrange travel plans for investor’s meeting.
• Quarterly forecasting, promotional budget and marketing budget.
• Daily processing of financials reports including revenue and expenses audits.
• Audits system files for risk assessments to avoid penalty and fines.
• Conduct QA review to ensure legal compliance with the Confidential guidelines practices and procedures.
• Provide reports, follow up and emails changes to upper level management and staff.
• Utilizing Excel Pivot table, V-Lookup spreadsheet for accurate account of inventory and units sold.
• Performed varied tasks in QA department to manage and support customer’s disputes in a professional manner.
• Familiarity with the SAP ERP tool.