SUMMARY

• Seeking a challenging position in business management and mortgage underwriting
• Solutions - driven and business-focused professional with experience in business management and mortgage underwriting, ability to assist with and support the planning and execution of a wide range of management functions designed to streamline daily business processes, drive operations, increase efficiency, and ignite team performance.
• Creative thinker with FHA DE Chums ID IG11 AND VA SAR/LAPP ID 022004, hands-on experience in leading all aspects of underwriting, risk management, and due diligence processes.

PROFESSIONAL EXPERIENCE

Confidential

Underwriting Manager

Responsibilities:

• Providing clarity of underwriting guidelines to operations staff and sales to ensure scenario meets investor guidelines.
• Strategically analyzing problems and recommending solutions based on company guidelines and verifying scenario acceptance with investors.
• Advising CEO and Chief Officer of Operations of opportunities to improve procedures/ processes dat would halp increase production and quality.
• Worked with CEO to obtain warehouse line approval with investors for Retail Division and halped meet requirements for a Non-Delegated approval through FHA.
• Extensive noledge with Conventional, FHA, VA and Bond loans. Active DE Chums ID and SAR/LAPP number.
• Created Job Aids per company guidelines to halp Sales staff and Operations improve quality and speed. Held weekly training calls with operations staff and sales to review new programs or guideline updates and answer loan questions.

Confidential

LEAD BRANCH UNDERWRITER

Responsibilities:

• Perform required analysis of property appraisal for VA/FHA/Conventional to ensure subject properties meet the company’s appraisal criteria.
• Maintaining a working noledge of all current underwriting guidelines, federal and state lending laws and comprehensively explaining all to others within and outside the organization.
• Effectively and quickly, communicate any areas of concern with a loan file to Loan officer, Branch Manager and processing to discuss any solutions available.
• Manual Underwrite FHA/VA loans dat don’t receive an AUS approval with DE CHUMS and SAR/LAPP number.
• Responsible for the underwriting of Conventional, FHA, VA, Bond and High Balance/Jumbo mortgage loans as well as specialty programs.
• Maintaining under a 6 hour turn time for Initial FHA/VA/Conventional loans.
• Extensive noledge with Encompass. Working closely with Loan Officers, Processors and new underwriters to train and halp with answering questions regarding guidelines and underwriter questions.

Confidential

MORTGAGE UNDERWRITER

Responsibilities:

• Maintaining 6 hour turn time on FHA, VA and CONVENTIONAL purchase and refinance loans.
• Manually approved FHA/VA loans utilizing DE Chums and SAR/LAPP number.
• Working on a high volume team with complex income such as 1120s, 1120, 1065 partnership, schedule c/schedule e, entertainment income, military income and trust income.
• Working closely with Loan Officers, Processors and new underwriters to train and halp with answering questions regarding guidelines and underwriter conditions.
• Frontline underwriting of mortgage loans (Retail, Wholesale, Jumbo, Bond) on both delegated and non - delegated basis.
• Extensive noledge with PC Lender

Confidential, AZ

PORTFOLIO UNDERWRITER III

Responsibilities:

• Manually approved FHA Portfolio loans per company guidelines.
• Reviewing complex Tax Returns and Income documentation to verify income is within compliance for Conventional high balance and Jumbo loans approved through Encompass.
• Performed full Appraisal, flood and Condo review to ensure investor guidelines are met.
• Underwriter for Purchases and Refinanced through Fannie Mae DU/LP approval and my community loan program.
• Performed Quality control audit prior to loan being sold to investor to ensure loan is approvable and meets investor guidelines.
• Extensive noledge with Encompass.

Confidential

SENIOR LOAN UNDERWRITER III

Responsibilities:

• Managed a current credit approval authority of $1.5M for a 1st mortgage and $250K for a 2nd mortgage.
• Daily Functions include reviewing financial statements, Appraisals, Flood, title, complex business and personal tax returns, tax transcripts, credit report, layered risk evaluation and training new employees.
• Performed Quality Control Audit on funded loan to ensure investor guidelines are meet for successful sale of loan.
• Underwriting loans through Desktop Underwriter and Manual Underwriting process to determine eligibility for purchase or refinance transaction.
• Prioritized, planned and managed pipeline to complete underwriting and other assignments on a timely basis.

Confidential

SENIOR CREDIT UNDERWRITING MANAGER

Responsibilities:

• Contracting customers and partners to gather information to make appropriate decision, explain rationale behind credit decision. Provide Work Direction and/or training to team members and provide performance feedback to Regional Manager.
• Listening to team members phone calls and providing training/coaching to increase sales and maintain quality to meet team monthly goals.
• Making decision on the qualification of customers by following guidelines and procedures based off income and credit history.

Confidential Phoenix, AZ STORE MANAGER

Responsibilities:

• Individually responsible for averaging $30k-$40k in weekly sales, accomplishing a top individual sale of $50k in one week.
• Prepared and oversaw layaway system to include collection efforts on delinquent accounts, outsourced prospect contractor to expand business relations and increase store sales.
• Hired and trained new employees.

Confidential Tempe, AZ

PROOF OPERATIONS MANAGER

Responsibilities:

• Conducted investigations procedures for outstanding items and ensured they were resolved in a timely manner.
• Provided work direction and training for all new team members.
• Processing checks through encoding machine dat places a MICR of the amount and other missing information dat is needed along the bottom of the check to ensure deadline was met for deposit of funds.
• Balancing and reconcile daily deposits and prepared items from batch processing to ensure deadline was met.