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Nelly
US-California-San Francisco
Senior Loan Underwriter
To secure a position of a Senior Loan Underwriter, or Due Diligence Underwriter with a Lending Institution
NELLY TARAN
110 Kensington Way, San Francisco, Ca 94127. Home: 415-566-1106. Cell: 415-420-0584.
taran-sf@att.net
________________________________________________________________________________
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PROFILE
• Experience in all aspects of mortgage banking including underwriting, processing, origination, management and training
• Extensive knowledge of Fannie Mae and Freddie Mac underwriting guidelines and working knowledge of various automated underwriting systems
• Excellent attention to detail and problem solving ability
• A strong record of achievement and advancement through increasingly responsible financial positions with proven management skills
• Extensive interpersonal and communication skills to deal effectively with internal and external contacts
PROFESSIONAL EXPERIENCE
Americorp Funding - San Francisco, Ca
Senior Underwriter 02/2008 – 10/2008
Underwrote all types of conventional loans for wholesale and correspondent submissions to various Lending Institutions.
• Worked without supervision and implemented high standards of underwriting, which resulted in 100% of approval rate of submitted loans.
• Demonstrated strong working knowledge of underwriting policies, guidelines and automated underwriting systems of many Correspondent and Wholesale Lenders.
• Trained loan agents on rapidly changing current lending policies, procedures and underwriting guidelines; assisted with tax returns analysis, appraisal report reviews, condo project approvals and other aspects of loan origination.
W.J.Bradley Bank (DBA Triton Funding Group) - San Francisco, Ca
Senior Underwriter 01/2007 – 02/2008
Served as a delegated correspondent underwriter in a start-up Mortgage Banker Company.
• Underwrote all types of loans including conventional conforming and jumbo, second and sub-prime mortgages.
• Worked without supervision directly with Correspondent Lenders.
• Implemented high standards of underwriting policy, which resulted in zero purchased back loans.
• Was the only underwriter in the Company who was granted signing authority of $1,500,000 based on quality of underwriting and rapport with Correspondent Lenders.
• Developed strong working knowledge of underwriting policies, guidelines and automated underwriting systems of many Correspondent and Wholesale Lenders.
• Trained originators and processing staff on such subjects as tax returns analysis, appraisal report review, condo project approval, credit report and other.
Page 2 of 3
NELLY TARAN
110 Kensington Way, San Francisco, Ca 94127. Home: 415-566-1106. Cell: 415-420-0584.
taran-sf@att.net
_____________________________________________________________________________________
JP Morgan Chase - San Francisco, Ca
Senior Underwriter 05/2003 – 01/2007
Underwrote all types of retail conventional loans nationwide with signing authority of $1,400,000.
• Was preferred Lender/Underwriter for loans up to $5,000,000 in new condo project developments in San Francisco and Bay Area.
• Underwrote CALHFA loans; trained loan originators to use and understand CALHFA programs
• Assisted Branch Management in hiring and training of Branch processing and sales personnel.
• Worked without supervision, reported to Underwriting Management Center located in Denver, Co.
• Was presented a Super Star Award by co-workers in recognition of outstanding leadership and diligence in servicing customers and colleagues.
• In 2005 took part in a Super Star Award ceremony in New York among other 110 participants chosen out of more than 110,000 employees worldwide.
First Nationwide Mortgage/CalFed/Citibank - Walnut Creek, Ca
Senior Underwriter 04/1996 – 04/2003
Underwrote all types of wholesale conventional loans with signing authority of $1,000,000.
• Was granted specific signing authority to approve loan policy exceptions for LTV, FICO score, cash out amount, qualifying ratios, and other exceptions for full and reduced docs loans.
• Underwrote CRA loans for low/moderate income borrowers using strong knowledge of Community Lending products.
• Assisted in the second level review of declined CRA loans.
• Assisted Underwriting Manager in reviewing and evaluation of loan packages underwritten by offsite MI underwriters.
• Was recognized as the highest producing underwriter for the Region. The Region achieved highest volume of loans booked for the Company.
Comment: Company was sold. Department was closed.
Page 3 of 3
NELLY TARAN
110 Kensington Way, San Francisco, Ca 94127. Home: 415-566-1106. Cell: 415-420-0584.
taran-sf@att.net
_____________________________________________________________________________________
Home Federal Savings of San Francisco- San Francisco, Ca
Underwriter 07/1993 – 03/1996
Senior Loan Processor 06/1991 – 07/1993
• Underwrote retail and wholesale loans secured by 1-4 unit properties in accordance with FNMA, FHLMC, Investors and Association guidelines.
• Assisted in underwriting of Secondary Market purchase loan packages, and conduit loan packages.
• Was promoted from a processor to an underwriter based on demonstrated performance.
• Processed retail, wholesale, construction and commercial loans. Communicated with borrowers, loan agents, realtors and escrow officers. Reviewed packages for completeness and accuracy to insure compliance with the Company guidelines and standards.
• Worked without supervision, planned work and supervised temporary staff of processors.
Comment: Company was sold to First Nationwide Mortgage.
Best Western Financial - San Mateo, Ca
Loan processor/Underwriter 08/1990 – 05/1991
Processed and underwrote residential 1-4 unit loans from receipt of loan applications to submissions to Lenders in an aggressive, fast paced mortgage company.
SKILLS
• Strong project management and quantitative skills
• Good human relations skills to communicate effectively at all levels as well as strong writing skills
• Strong computer skills including Microsoft Office products, various mortgage origination and automated underwriting applications
• In depth knowledge of manual underwriting of jumbo and super jumbo loans
EDUCATION
Moscow Technical University of Communications and Informatics
BA in Telecommunication with a minor in Economics
References upon request
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