Core Strengths

• Policies/Procedures
• Quality Assurance
• Certified Appraisal reviewer
• Business Operations
• Manual Underwriting
• Fannie/Freddie Guidelines
• Risk Management
• Finance/Accounting

Professional Experience

Sr. Quality Assurance Underwriter 04/2012 –

• Perform review of customer mortgage transactions to ensure accuracy and quality of the data as well documenting any findings
• Ensure compliance guidelines are met with all Investor and regulatory requirements
• Perform mortgage credit analysis, with or without the assistance of automated underwriting system, to determine borrower’s willingness and ability to repay the mortgage debt. This is done by reviewing the credit package to determine mortgage amount and term, calculating required investment, determining assets available for closing, analyzing credit history, calculating proposed monthly housing expense and recurring debt.
• Perform Income calculations using borrower provided data including paystubs and tax returns.
• Review of HUD-1 settlement statements prepared by third party vendors in connection with loan closings.
• Partner with Quality Assurance Specialist to research existing operational processes and monitor risk
• Partner with Quality Assurance Team Leader in development and execution
• Worked independently and met stringent deadlines
• Detail oriented with strong organizational skills

SR. DUE DILIGENCE UNDERWRITER 09/2007 – 02/2011
Confidential,

• Review servicer-provided mortgage loan documentation for compliance with applicable laws, regulations and other guidelines, and validated compliance errors.
• Interpret and apply consistent definitions for compliance errors, setting standards for the entire project.
• Provide other QA analysts with feedback and assistance with technical questions.
• Proactively identify and escalate issues to Quality Assurance management.

· Responsible for underwriting loans submitted by brokers on a daily basis.
· Maintained a working knowledge of all current underwriting guidelines, federal and state lending laws and have the ability to comprehensively explain all to others within and outside the organization.
· Interpret credit policy guidelines and investor guidelines and apply them to specific loans for effective sale in the secondary market.
· Demonstrate excellent customer service and professionalism.
· effectively partner with Loan Set Up, Account Manager, Closer and other operations to ensure smooth and efficient processing of all loans in the pipeline.
· Issue approvals and declinations after first searching all avenues via multiple programs to determine the best fit for the applicant.

Middle Market Underwriter/Broker, Confidential,Carrollton, TX 2006 – 2007

• Increased sales production in the Brokerage department by upwards of 666% in 6 months - brokered $2 million dollars in new premium
• Solicited, underwrote, and produced middle market commercial new business.
• Partnered with assigned Key agents to implement innovative strategies aimed at growth, and client retention.
• Managed a portfolio of renewal business, including underwriting and pricing

Senior Underwriter/ Account Executive - Confidential,Dallas, TX 2003 – 2006

• Evaluated the subject property and financial strength and credit worthiness of the borrowers to ensure appropriate loans were made.
• Authorized to approve loans up to $1,000,000 based on documentation requirements of secondary market.
• Successful track record of fee generation through sale of mortgage products - surpassed industry benchmark for the market: $1 million in 2006 to $6 million in 2007.
• Recognized for product knowledge and top sales performance in 2007, generating over $2 million in fees.
• Examined evaluated and recommended approval of customer applications for jumbo loans and prepared jumbo loan packages (to $1,000,000) for review by major private investors.
• Served as an advisor and answered and resolved general underwriting questions for loan processors and originators.
• Cultivate and manage new and existing broker relationships of low to high-net worth brokers and their teams of loan officers.

Senior Underwriter -Confidential,Dallas, TX 2000 – 2003

• Followed prescribed guidelines, received and reviewed loan applications and associated documentation to ensure accuracy.
• Reworked loans to new terms or identified additional conditions as needed.
• Analyzed credit reports and related documentation, analyzed appraisals, qualified and classified loans within company guidelines.
• Maintained acceptable turnaround times for applications submitted for pre-approval and on funding packages.
• Interacted with Quality Control, Compliance, and funding for issue resolution, risk evaluation and compliance concerns.

Senior Underwriter/Appraisal Reviewer Secondary Market 1996 – 2000
Confidential,Irving, TX

• Supervised the maintenance of the appraisal statistical and data program in geographic jurisdictions.
• Adapt appraisal report format and procedures, data analysis and presentation to all properties, including the specific and unique property types found in assigned geographic area.
• Reviewed the more complex appraisal reports prepared by independent fee appraisers, other government appraisers for acquisition and disposal of bank trust properties for soundness of judgment and reasonableness of conclusions reached.
• Evaluated and recommended approval of customer applications for jumbo loans and prepared jumbo loan packages (to $1,000,000) for review by major private investors.
• Worked on a due diligence team of 10 Senior Underwriters to review accuracy and compliance of secondary market loans.

Education

B.A., Finance