SUMMARY:

• Diverse professional, seeking continued career growth and advancement within a mid - to-large sized organization; primarily enhancing my strong analytical and critical thinking skills,
• Effective verbal and written communication, data analyses and attention to detail capabilities, negotiation, collaboration and relationship management, and quality decision making ability
• While remaining compliant, adhering to both ethical and regulatory guidelines and organizational standard operating policies and procedures
• Underwriting/Risk Management: Analyzing the character, capacity, capital, collateral, and conditions of the loan transaction ensuring an acceptable level of default or layered risk, adequate liquidity, sufficient solvency/leverage, efficiency and profitability
• Processing/Operations: Supporting the entire process by obtaining documentation and organizing the loan package to assist in the pre-approval and loan entry to closing/funding of the loan transaction
• Financial Services - 25 years; 15 years concentrated in both commercial lending/banking & mortgage/consumer lending

PROFESSIONAL EXPERIENCE:

Confidential

Quality Assurance Underwriter

Responsibilities:

• Perform thorough second level review of loan files to ensure data integrity based on automated underwriting systems (AUS) and Mortgage s Underwriting guidelines (MRI); ensuring accuracy and completeness of loan information, determining documentation requirements meet specific investor guidelines based on loan type/program (Conventional, FHA, VA, USDA; Purchase or Refinance; for Primary Residence, Investment or Second Home; 1-4 Unit, Multifamily, MFH, Condo, New Construction)
• Analyze AUS findings, loan program parameters, application, disclosures, occupancy, employment, income/assets, credit reports, and other credit documentation, appraisal, title, purchase contract, flood and other verifications, expense or financial documentation; evaluating and examining each transaction to ensure all requirements, messages or findings, are satisfied and adequately documented to maintain salability to investors
• Review credit lending partners decisions to ensure specific policies, procedures and risk controls are maintained and audit findings that are issued are properly cured in a timely manner

Confidential

Quality Assurance Underwriter

Responsibilities:

• Perform thorough second level review of loan files for accuracy and completeness and determine documentation requirements meet specific investor guidelines based on loan type/program (Conventional, Jumbo, FHA, VA, USDA; Purchase or Refinance/Streamline; for Primary Residence, Investment or Second Home)
• Analyze AUS findings, loan program parameters, occupancy, employment, income/assets, credit reports, and other credit documentation, appraisal, title, expense or financial documentation in order to evaluate and examine each transaction to ensure salability to investors

Confidential

Processor III/Jr. Underwriter

Responsibilities:

• Perform complete thorough review of loan files for accuracy and completeness and determine the documentation required to meet specific investor guidelines based on the loan type/program (Conventional, FHA, VA, USDA; Purchase or Refinance)
• Analyze employment, income/assets, credit reports and other credit documents, expense or financial documentation in order to evaluate and examine each transaction to ensure salability to investors.
• Review disclosures, applications and addendums, purchase contracts and surveys, new build documentation, 4506T transcripts/audits, Fraudguard (MERS), homeowners insurance policies (H01/H06/Master Policy/Replacement Cost), flood s (participating, and Not A or V zones), mortgage/rental payment history, appraisal review for sufficient loan to value/combined loan to value, order mortgage insurance (BPMI/LPMI), clear title commitments, escrow, tax, SSA-89/social security verifications, verifications of employment, deposits, and rents; and review the HUD/Combined Settlement Statement/Closing Disclosure according to TRID for final approval by underwriting to ensure clear to close for closing/funding

Confidential

Consumer Loan Underwriter

Responsibilities:

• Passed income/asset and loan conditions/stipulations test cases, obtaining my 4C underwriting, up to $1MM, decision level of authority; allowing for approving, denying, suspending, repricing and counteroffering the original terms to reduce layered credit risk and provide benefits to the borrower(s).
• Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests (i.e. Purchases and Refinances) and products (Conforming Conventional and HARP) within company and industry guidelines.
• Assessed the probability of default based on credit, collateral and capacity analysis as defined by automated decision risk management platforms, like DU/LP, and independent review and cash flow/financial analysis of applicable rations (Front end/Back End DTI) and financial statements, including tax returns (1040 Schedule A through F), 1120S and K-1s, 1120, and 1065, profit and loss statements, paystubs, W2s, commission, bonus, overtime, 1099s/passive income and rental/lease agreements.
• Performing complete thorough review of credit reports and other credit documents, expense, financial, income/asset documentation to evaluate and examine each transaction while ensuring accuracy and completeness of loan documentation.
• Provide commitment letters and notice of adverse actions; add/delete borrowers, reviewing purchase contracts and surveys; 4506T audits, homeowners insurance policies (HO1, H06 Walls in, Master policy, Replacement Cost), flood s (Participating, and not A or V zones), mortgage/rental payment history, appraisal review for sufficient loan to value/combined loan to value, clear title commitments, tax s, verification of employment, verification of deposits, and verification of rents, and balancing the HUD to ensure loan is clear to close.
• Cleared conditions/stipulations for consistency in order to uphold underwriting credit policy standards, industry guidelines and salability to investors.

Confidential, Phoenix, AZ

Underwriter/Commercial Credit Analyst

Responsibilities:

• Spreading financial statements in Bukers and Moodys to assess the risk of commercial secured/unsecured credit facilities
• Supported loan officers/banks in the preparation of loan presentations/quarterly action plans, including pulling credit reports from Experian, completing cash flow analysis, annual credit file reviews and collateral valuations to measure sufficient debt service coverage and loan to value/combined loan to value.
• Responsible for managing a $5MM Home Equity portfolio, identified by FDIC as special mentioned, ensuring sufficient cash flow and debt service coverage monthly
• Assisted CCO with DLC reporting, including reconciling monthly problem loan report, HELOC portfolio management, ALLL Narrative data for the banks safety and soundness, including researching market forecasts on retail, office, and industrial use commercial properties net absorption, vacancy rate and appreciation rate and other projects as assigned
• Participating in loan administration processing loan and participating bank payments; distributing daily reports and notices/bills/statements; handling customer and other bank personnel inquiries, commercial credit verifications, verifications of deposits and relationship inquiries; preparing payoff quotes, loan balance, interest paid, loan history and payment summaries as requested; research and correct technical exceptions; process loan entry and system maintenance; maintain tickler system; mail, filing and other loan support/administrative duties as requested
• Spreading financial statements in Bukers and Moodys to assess the risk of commercial secured/unsecured credit facilities