SUMMARY OF QUALIFICATIONS

With six years of financial, mortgage, real estate experience, and a proven record of productivity, quality, and integrity I bring the following skills:

• Knowledge of FHA, Fannie Mae, Freddie Mac, HAMP, HARP underwriting standards
• Currently completing the FHA DE Underwriting certification course
• Experience evaluating the financial and economic feasibility of residential and mixed-use development applications
• Ability to determine creditworthiness
• Understanding of excel and access based database systems
• Analytical and detail-oriented, able to identify, initiate and implement process improvements that increase accuracy, consistency, and efficiency
• Able to quickly prioritize, multitask, perform on a team, delegate tasks, and make sound decisions on complex issues while maintaining a focus on the bottom line
• An energetic team player, able to communicate effectively with diverse teams to work collaboratively to resolve problems
• Excellent analytical, problem solving, interpersonal, and communication skills
• A flexible professional and quick study that enjoys learning new skills and quickly adapts to organizational changes

EMPLOYMENT HISTORY

Confidential,
Mortgage Processer – Contractor (05/2012-Present) Pittsburgh, Pennsylvania

• Role supports a portfolio of FHA loans in default and imminent default loans with a focus on loan modifications, and document validation
• Assist with re-negotiations of loans based on FHA lending guidelines
• Run Net Present Value models and complete second mortgage modifications
• Execute short sale/ DIL or answering technical foreclosure questions, as well as responsibility for identifying solutions that will improve the account in a timely manner
• Utilize appropriate options for borrowers, such as Collections, Repayment plans, Special Forbearance, Modifications, Short Sales, and/or Foreclosure
• Examine transactions to ensure accuracy and completeness
• Decline loan modification for non-compliance with program guidelines
• Process routine transactions, document loan history, respond to customers or other 3rd party inquiries, research and prepare documentation, and analyze requests in accordance with established guidelines to determine appropriate courses of action
• Handle more complex levels of transactions related to Loan Modifications with limited supervision to complete daily tasks and duties and along with an ability to follow and execute policies, procedures, and protocol required to complete assigned tasks

Confidential,
Translator (3/2011-8/2011) Bogotá, Colombia

• Translated financial and legal documents for local banks and financial corporations

Confidential,
Foreign Language Instructor (7/2010-1/2011) Buenos Aires, Argentina

• Taught English writing, grammar, and communication skills to native Spanish speakers
• Conducted business seminars for local businesses on English for the workforce

Confidential,
Underwriting Intern (5/2007-7/2010) Richmond, VA

• Assisted in evaluating the feasibility of incoming multifamily loan requests which including:

Provided underwriting support to a team of six multifamily loan underwriters. Served as a liaison between the loan offer, borrower, and with internal departments such as legal, development, and finance to gather and disseminate necessary information for loan processing. Coordinated the review of loan proposals and establish new loans in the electronic system. Created underwriting documents to assist in evaluating the feasibility of incoming loan requests. Conducted market studies and area research on proposed multifamily projects. Evaluated loan application packages for completeness and communicated with applicants to obtain missing exhibits and other information.

• Create preliminary pro forma to determine feasibility of the loan application
• Corresponded with potential customers to explain the multifamily program parameters, eligibility, and application procedures.
• Monitored, maintained, and served as the contact person for the Authority’s housing database. Worked closely with IT to recommend and implement improvements.
• Initiated the development of an underwriting project database to monitor the project status of all active loans.
• Anticipate needs for underwriting staff and initiate projects before requested.
• Created a Public Housing Authority Plan Database for the Department of Housing and Urban Development to help analyze the goals of all public housing authorities in Virginia.
• Gathered, analyzed and interpreted a wide variety of data.
• Coordinated briefing material such as reports, charts, presentations and other visual aides.
• Conducted oral reports of various analyses at bi-weekly department meeting to colleagues.

Integra Realty (Appraisal) Research Assistant (9/2006-6/2008) Glen Allen, VA

• Update and maintain an access database containing all gathered sale data.
• Create spreadsheets to help analyze and interpret collected research data.
• Conduct research to help analyze quarterly residential market sales on new homes and lots.
• Assist in the creation of a residential report/handbook which surveys the market conditions for the Richmond Metropolitan area and surrounding counties.

EDUCATION

• Virginia Commonwealth University (VCU) Richmond, VA

- Master of Science in Business with concentration in Finance
-Graduation Date: May 2010

- Bachelor of Science in Business with a major in Real Estate and Urban Land Development
- Bachelor of Science in Business with a major in Business Management and Administration
-Graduation Date: May 2008 – cum laude - (Dual Degrees)

- Bachelor of Arts in Foreign Language with a concentration in Spanish Language
-Anticipated Graduation Date: August 2012

AREAS OF STRENGTH & WORK RELATED SKILLS

• Desktop Underwriter | Microsoft Word | Excel | PowerPoint | Access | Delorme | MLS | Iris
• Currently obtaining FHA DE Underwriting certification
• Mortgage loan evaluation experience
• Proficient in oral and written Spanish