My work experience includes:

• 12 Years combined experience with mortgage underwriting, Real-estate and management.
• Underwriting and evaluating residential mortgage applications.
• Evaluating credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.
• Approving, declined or suspended mortgage loan submissions based on a full credit underwrite.
• Evaluating and ensuring over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations. Utilized Sales force, The Work Number, Lexis Nexis and DU.
• Identifying transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution.
• Management experience.

Please let me know if you need any further information on my background and qualifications. You can contact me anytime via email or cell phone. I would look forward to speaking with you regarding this employment opportunity. Thank you for your time and consideration.
Confidential,
Processing/ UW GMAC Manager

• Interface with senior management in multiple departments on a day to day basis.
• Responsible for measuring and analyzing daily metrics for production deliverables, including but not limited to loan volume, quality control, load leveling, pipeline management and reporting.
• Coach mentor and develop direct reports. Effective communicated objective to processors.
• Managed team of up to 25, each processor was responsible for a pipeline of 55/80 loans.
• Coaching and mentoring processor per guidelines along with running DU.
• Utilized Lexis Nexix, The Work Number, RF Connects, Mortgage Serve, Blitz Docs, Corona, Looking Glass and DU.

Confidential,
Senior GSE and NON-GSE Manual Underwriter

• Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.
• Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.
• Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution
• Evaluated and ensured over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations.
• Maintaining pipeline while adhering to Fannie Mae and Freddie Mac Guidelines. Management support of reporting while maintaining leadership development.
• Functions including: Assessing financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers; restructuring payments plans; may assist in handling workout and restructuring of problem loans. Experience with CPI, LIV, DAT and Wells Fargo policies and guidelines.
• Confidential,

Underwriter FHA

• FHA Underwriter, Responsible for reviewing and adjusting collection portfolios to reduce delinquent/problem loans within framework of company or investor guidelines.
• Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.
• Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.
• Reviewed closed loans for eligibility with respect to guidelines.
• Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution
• Functions including: Assessing financial statements; analyzing credit information; monitoring adherence to terms of agreement; corresponding with customers; restructuring payments plans; may assist in handling workout and restructuring of problem loans. Experience with CPI, LIV, DAT and Wells Fargo policies and guidelines.

Confidential,
VA Underwriter

• Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.
• Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.
• Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution
• Responsible for reviewing, analyzing approving and underwriting per investor guidelines.
• Evaluated and ensured over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations.
• Utilized DU, The Work Number, Lexis Nexis, Portal, Cavairs.
• Familiar with LOS and Desktop Underwriter system, Portal and USAA guidelines. Reviewing Flood certificates, Appraisals, Leave and earning statements and grossing up BAH, BAS as needed.
• Updating and saving necessary information while keep contact with members within timelines. Maintained a pipeline of up to 75 loans.

Confidential,
Underwriting Lead ( Remote )

• Responsible for manual underwriting and evaluating residential mortgage applications originated by main office.
• Evaluated credit and proprietary documentation on loan files so that appropriate decisions are made as to the acceptability of investment risk.
• Approved, declined or suspended mortgage loan submissions based on a full credit underwrite.
• Evaluated and ensured over all loan documents are accurate, complete, and compliant. Including financial statements, credit reports, applicable ratios, and income calculations. Utilized Sales force

The Work Number, Lexis Nexis.

• Identified transaction components that indicate a potential for fraud and perform sufficient investigative work to find a resolution.
• Directed and coordinated activities of businesses or departments concerned with the production, pricing, sales, or distribution of products.
• Review financial statements, sales contracts and activity reports, and other performance data to measure productivity and goal achievement and to determine areas needing cost reduction and program improvement.
• Confidential,
• Buyer and Sellers Agent, Recipient of Sales Awards
• Familiar with HUD homes, FHA, VA, CONV, INVESTMENT

Education and Training

Ashford UN
DE Underwriting Class completion certificate NAMU
FHA – VA Underwriting completion certificate NAMU
Desktop Underwriting
FHA, VA, HARD MONEY
Texas Vet Land Board
State of Texas Real Estate License