Mortgage Loan Underwriting professional with a successful track record in reviewing, underwriting and processing closed mortgage loans.Successfully trained in fraud detection and re-verification of mortgage loan documents provided prior to closing.Specialized training in loan modifications (HAMP/MHA/NHRP). Recognized as innovative and a strong team player by management and peers, with a consistent record of delivering top level results.
Confidential San Antonio, Texas
Mortgage Loan Underwriter/Team Lead (April 2012 – Current)
Duties Include: Underwriting active mortgage loans for the Citibank, N.A. Calculating income, analyzing tax returns, reviewing credit, reviewing appraisals, analyzing title. Ensuring the quality and accuracy of the loan from application to closing. Following FNMA/Citibank, N.A. private guidelines, requesting documentation to ensure the loan meets government/investor guidelines. NMLS licensed (unique identifier #918529).Promoted to the position of Mortgage Loan Processing Team Lead from July 2012 – Current.Responsible for managing a team of 15 loan processors.
Confidential San Antonio, Texas
Real Estate Underwriter (August 2011 – April 2012)
Duties Include: Ensuring the quality and accuracy of mortgage appraisals prior to funding. Working directly with the vendor on any issues which are not FNMA compliant and ensuring the end result is FNMA compliant and accurate.
Confidential Norfolk, Virginia
Loan Modification Specialist – Quality Control (June 2011 – August 2011)
Duties Include: Ensuring the quality of all MHA (HAMP)/NHRP/PropietaryGovernment loan modifications. Auditing all files and documents, working directly with the Personal Solutions Specialists and verifying the quality of documents received. Requesting additional documentation advised by the Loan Modification Underwriters for the ability to verify employment, calculate accurate income, verify occupancy, calculating debts and debt to income ratios. Working directly with the homeowner and negotiating the modification, relaying the steps of the modification and the payment process (both trial and permanent modifications).
Confidential Virginia Beach, Virginia
Mortgage Loan Processor (November 2010 – June 2011)
Duties Include: Processing mortgage loans, working directly with Borrowers and Loan Officers to gather credit, income and asset documentation. Understanding and following all Fannie Mae and Freddie Mac guidelines and requirements. Reviewing and analyzing credit reports, tax returns (business and/or rental income or loss), analyzing appraisals for subject properties affiliated with new loans and/or refinances. Excellent customer service and multi-tasking skills.
Confidential Edmond, Oklahoma
Mortgage Loan Underwriter (October 2008 - November 2010)
Duties Include: Quality Control of closed mortgage loans, (FHA/VA/Conventional/USDA/FNMA), calculating income, debts and ratios, DU/LP/CLUES/GUS trained. Exceptional experience in auditing foreclosures, pre-foreclosures and early payment defaulted loans. Understanding and following all Fannie Mae and Freddie Mac guidelines and requirements. Reviewing and analyzing credit reports, tax returns, analyzing appraisals for subject properties affiliated with new loans and/or refinances. Excellent customer service and multi-tasking skills.Team lead/Mentor over a team of five auditing Underwriters.
National Mortgage License Registry Certified
Major: Business Management
Studies and Performing Arts
Degree Obtained: High School Diploma
Major: Piano, General Studies
Activities: Student Council Treasurer, Fellowship of Christian Athletes