Consultant Resume TX - Hire IT People

SUMMARY:

8 years experience underwriting conventional, FHA, VA, and USDA loans
3 years experience of quality control and customer service
Strong knowledge of manual and automated underwriting using LP, DU, Agent Desktop, LPM, Encompass, MRW, and other applications
Strong knowledge of Confidential and Freddie Mac guidelines
Expert knowledge of fraud detection through audit and review
Expert knowledge of credit risk assessment
Expert level in cash flow analysis (corporations, partnerships and all other investment types)

TECHNICAL SKILLS:

PROFESSIONAL EXPERIENCE:

Confidential, TX

Underwriter II

Responsibilities:

Utilize lending and exception authority of all aspects of mortgage and/or home equity underwriting and portfolio guidelines to underwrite complex loan files
Review and evaluate credit applications to assess the loan package for approval or fraudulent activity and provide feedback to processors to improve quality of the loan files
Participate in projects for process and system enhancement initiatives as assigned
Assist in training lower level bank credit underwriters with loan files as needed

Confidential, TX

Consultant

Responsibilities:

Analyze employment profile, credit strength, property characteristics and other information pertinent to the credit decision process
Apply internal guidelines and investor guidelines to the credit decision process
Select required conditions on each deal to be satisfied prior to funding
Using the underwriting system, input: selected conditions, credit information, property details and borrower information
Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received
Review documentation for compliance with internal and regulatory guidelines
Correspond with processors to attain outstanding documentation needed to complete requirements as stipulated on the commitment
Coaching and training new underwriters

Confidential, TX

Sr. Retail Underwriter

Responsibilities:

Underwriting (income/assets, appraisals, title commitments, credit, calculating DTI ratios)
Ensure loans meet all program and product specifications
Offer appropriate counteroffers
Communicate loan decisions to processing
Reporting fraud i.e. (income/asset misrepresentation, undisclosed mortgages, occupancy misrepresentation) along with providing evidentiary documentation to Confidential .