Quality Assurance Analyst Resume

Objective

Seasoned Underwriter with a wide spectrum of consumer lending analysis experience. With a solid background of increasingly responsible positions, I seek to further advance my career by securing a solid and long-term role in the arena of Mortgage Lending.
Professional Experience

USDA Authenticated, Income/financial statements, Appraisals, BPO, AVM, Loan-to-Value and housing ratios, Credit profile/report(s), M.S.P., L.P.S. Desktop, Share Point, Excellent computer and Microsoft Office skills

Professional History

Quality Assurance Analyst Confidential,TX Oct/2011-Sept/2012

Review closed loans for eligibility with respect to Client\'s Selling Guide, DU Guide, and/or Investor Guidelines
Identify transaction components that indicate a potential for fraud
Perform sufficient investigative work to resolve issues that are identified
Professionally communicate the results of file reviews both verbally and in written format to internal and external customers
Sr. Underwriter Confidential,TX Jun/2009-Oct/2011
Reviewed FHA, VA, USDA, FHLMC, FNMA and Private loans for multiple program options including HAMP and Non- HAMP
Attended NACA Sponsored events in Chicago, San Jose, Los Angeles, Portland and Milwaukee as the Sr. Underwriter, supervising a team of Relationship Managers and Jr. Underwriters
Reviewed and considered exception request within authority and Investor Guidelines
Reviewed appraisals, tax returns, financial statements, 4506T, Dodd Frank and Hardship Affidavits for compliance
Routed and reviewed escalation files received from various departments
Assisted and mentored peers in multiple departments to ensure an effective and consistent flow of business
Obtained all third party approvals including investor and mortgage insurance
Performed 2nd level reviews on Jr. Underwriters before submitting to Closing
Analyzed Quality Control Audits and communicated a clear response from an Underwriting point of view and thought process

Loss Mitigation Underwriter Confidential,TX Feb/2006-Oct/2008

Responsible for reviewing, analyzing and underwriting modification and addendums with minimum deviations
Reviewed appraisals, tax returns, financial statements, and or other supporting income documentation
Analyzed delinquency, performed escrow analysis, analyzed and recommend appropriate modification scenarios
Maintained responsibility for timely and accurate database maintenance, updates and corrections in all related systems
Obtained all third party approvals including investor and mortgage insurance company approvals
Maintained up-to-date knowledge of relevant default practices effecting loan servicing decisions
Troubleshoot loss mitigation options within internal guidelines and policies

Senior Credit Analyst/ Underwriter Confidential,TX June/2003 -Feb/2006

Reviewed loan documentation and exceptions on existing loans to determine if programs, processes and documentation are in compliance with internal company requirements, insurer guidelines, investor requirements and government regulations
Took necessary measures to ensure corrective action on exceptions and problems identified
Analyzed and recalculated loan to value, payment to income and debt to income ratios to ensure accuracy
Identified underwriting/data discrepancies and other diligence issues
Utilized fraud red flags and outside services to determine or verify fraud
Documented findings with objective, supported evidence

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