Summary
A proven mortgage professional with over 20 years underwriting experience and 5 years supervisory/management experience with a thorough understanding of the mortgage origination process, extensive underwriting knowledge and quality control, due diligence and credit underwriting on both residential and commercial real estate transactions. Seasoned forensic and compliance auditor with a proactive approach to assignments and the ability to multitask and offer a flexible work schedule with ability to work remotely or travel as needed.

Professional Skills and Accomplishments

Proven underwriting mentor, identifying weaknesses and training issues with staff and working with individuals, one-on-one, to improve staff performance. Excellent process analyzer, providing guidance to improve work flow and ensure required turn-times are met. Dedicated to superb customer service, with proven inter-personal skills that establish, maintain and enhance healthy relationships with both internal and external customers. Highly knowledgeable in Fannie Mae/Freddie Mac Conforming, Non-Conforming, Government, Alt A, and Subprime, Front End and Correspondent Conventional Manual Underwriter, Talented risk analyzer and identifier of fraud and mortgage misrepresentation, Proficient with All Regs/FNMA, Remote Underwriting experience since 2006 w/ ability to travel as needed.

Work Experience

Confidential IRVING, TX Present Employer
Repurchase Claim Sr. Forensic Auditor. Review closed conventional loans, for delivery compliance and defend repurchase claims brought against the originating lender. Strong attention to detail and knowledge of FNMA guide lines. This position requires the ability to research claims accurately and compile supporting documentation to defend the claim and or suggest repurchase.

Confidential IRVING, TX April 2009 – Dec 10
FHA Credit examiner/ Conventional Underwriter Correspondent underwriting, underwriter files to current FAMC underwriting guidelines adhering to FHA policies, in charge of initial underwrite and seeing file to clear to close. Work on an as need basis on Post closing suspense items to assure rapid investor delivery and purchase of our files.

Pre Purchase Risk Analyst: Review Non Bank Loans /Watchlist and Aged Loans for compliance, risk and fraud. Verify loan documentation, Validate AUS Findings, assure compliance of FAMC guidelines and saleability on secondary markets

Confidential Atlanta, GA *Dec 07 - March 09
Contract Underwriter and Compliance/ Forensic Loan Auditor: Conventional Front End U/W as well as a Closed Loan and Post Foreclosure Auditor on various contract assignments. Responsible for loan-level quality assurance reviews to ensure quality results, responsible for ensuring that work is performed to internal standards and in accordance with policy. Maintain a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans. As well asa sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity. Seasoned Forensic Loan Auditor familiar with FNMA QAS underwriting guidelines. Review and evaluate information on the mortgage loan applications and supporting documents to determine if borrower’s capacity, capability and credit meet the lenders/investors and government requirements, Review appropriateness of value asserted by the appraiser on the collateral, approve or deny and mortgage loans following current mortgage standards, investor guidelines and MI company guidelines and state and federal regulations. * Remote Underwriter on various projects as needed 

Glacier Mgmt / Current Contract Front End Underwriter as needed for various local and travel assignments. Review and evaluate information on mortgage loan applications and supporting documents to determine if borrower’s capacity, capability and credit meet the lenders/investors and government requirements, Review appropriateness of value asserted by the appraiser on the collateral, approve or deny and mortgage loans following current mortgage standards, investor guidelines and MI company guidelines and state and federal regulations. *Remote and In-office assignments

Confidential Plano, TX 9/2006 – 11/2007
Underwriting Manager, GPM - Wholesale Division (Wholly owned subsidiary of CapitalOne (6/2007-9/2007) Company ceased operations in 11/2007 
Correspondent Underwriting Team Lead/ Front End Underwriter : Manages a staff of Senior Underwriters; this position works in partnership with Sales and LSR teams to maintain accurate implementation of our current guidelines as well as underwriting turn time and implementation of current guidelines. QC review and compliance audits daily, front end underwriter I Review and evaluate information on mortgage loan applications and supporting documents to determine if borrower’s capacity, capability and credit meet the lenders/investors and government requirements, Review appropriateness of value asserted by the appraiser on the collateral, approve or deny and mortgage loans following current mortgage standards, investor guidelines and MI company guidelines and state and federal regulations.

Promoted to Wholesale Underwriting Mgr November 2006 GPM – Correspondent Division (Wholly owned subsidiary of Capital One (9/2006-6/2007)

Confidential Lewisville, TX 6/2005 – 9/2006
Seller Liaison (Sr. Underwriter), Correspondent Division *Downsized Conduit
Key duties are to answer program specific questions from EMC’s approved Sellers and to Identify and analyze underwriting risk, review compliance issues, job requires a working knowledge of both Sub Prime and FNMA/FHLMC, Scratch and Dent, secondary markets and pricing, close working relationship with our NY Trade Maintain close working relationship with our Product Analyst conveying product changes to our Supervisors and Underwriters. Initially employed as Senior Underwriter for EMC Conduit Division.

Confidential. Lewisville, TX 3/2004 – 6/2005
Sr. Underwriter * Company Closed
Front End Underwrite A paper, Texas and East Coast Branches to conform with Investor guidelines. Key duties are not limited to only underwriting but also Pre-approving incoming loan packages , clearing conditions, prepare loan for closing and perform post closing audits. Lock in rates and perform all Fraud checks on loans. This position requires a self starter, with a strong communication skills and strong ability to work closely with Broker’s and Loan Officers to assure knowledge of product guidelines and timely closings. As well as perform all HMDA/RESPA reports on monthly pipeline, required strong knowledge of FHA and FNMA guidelines.

Confidential Irving, TX 2/2003 – 1/2004
Front End Sr. Underwriter -- *Company downsized and department was relocated to Houston 
Duties included but were not limited to Pre-grading & Underwriting Alt A loans , pricing, assisting Acct Mgr w/ conditions, close working relationship with Closer and Funding department. Daily compliance and credit review, strong FNMA knowledge as well as ability to navigate and effectively understand various investor guidelines.

Confidential Dallas, TX 9/2001 – 01/2003
Sr. Loan Officer / Partner 
Managed small mortgage brokerage which employed 23 loan officers. Developed a work flow that would assure accurate grading and approval of new loan submissions. Worked closely with area lenders to assure timely closings. Conducted weekly training seminars for the less seasoned Loan Officers to assure accurate knowledge of lenders products and services. Conventional and FHA loans. * Company Closed

Confidential Dallas, TX 1/2001 – 9/2001
Sr. Loan Officer -- 
Sr. Loan Officer: Loan Origination, primarily FHA, Conventional, Conforming & Nonconforming & Sub Prime loans, focusing on the Hispanic Market, conducting Homebuyer Workshops, as well as every aspect of the loan origination from pre-qualification to closing and funding transactions. Worked closely with MAP and various bond programs

Confidential Dallas, TX 5/2000 – 1/2001 Sr. Loan Officer— 
Sr. Loan Officer: Loan Originator, with a primary focus on FHA Loans, worked closely with investor to assure timely closings. Processed each loan clearing conditions, working up fee sheet, locking, and attended closings