Senior Mortgage Underwriter Resume

Posted on: 2009-08-17

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Resume:

FHA Direct Endorsement and VA LAPP underwriter for National Underwriting Center of Taylor Bean and Whitaker
• Duties consisted of underwriting FHA Direct Endorsement and VA LAPP mortgage applications and LAPP appraisals through National Underwriting Center Division of Taylor Bean and Whitaker.
• Reviewed and evaluated both credit packages and appraisal to determine credit worthiness and compliance to FHA and VA guidelines; maintained direct broker contact via email and telephone during underwriting process; maintained data integrity in Loan Prospector; assisted in both closing and post closing issues and concerns with emphasis placed on both attention to detail and compliance with both state and federal regulations and guidelines.

Senior Mortgage Underwriter (Wholesale)
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First Magnus Financial Corporation | Albuquerque, NM

• Responsible for underwriting of FANNIE/FREDDIE MAC conforming and non-conforming first and second mortgage packages; also VA SAR Reviewer and FHA underwriting of government applications and ensuring compliance with corporate and agency policies and regulations.
• Duties included thorough review of packages to ensure accuracy and authenticity; thorough review of borrower/property qualifications and assured validation of submitted documents through automated underwriting and computerized appraisal systems.
• Maintained consistent written and verbal contact and consistent working relationship with brokers on daily basis; assisted with pre-qualification and application documents to assess borrower creditworthiness and capacity to repay.
• Also resolved post-closing and policy issues, with emphasis on timeliness and strict adherence to corporate and agency policies.


Senior Mortgage Underwriter (Wholesale)
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COMMONWEALTH UNITED MORTGAGE | Albuquerque, NM

• Responsible for underwriting FANNIE/FREDDIC MAC conforming and non-conforming conventional applications for both first and second mortgage; ensuring compliance with corporate and agency guidelines; also reviewed FHA and VA applications with emphasis on borrower qualification and adherence to governmental agency regulations.
• Reviewed borrower and property documentation to assess credit-worthiness and capacity to incur additional debt; maintained regular telephone and verbal contact with brokers until closing.
• Most recently promoted to Local Underwriting Manager (LUM) on //, which included assisting and direction other underwriter in application of guidelines and corporate wholesale policies and implementation of corporate policies, until corporate closure of Southwestern branch office.

Senior Underwriter (Retail)
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Washington Mutual Mortgage | Albuquerque, NM

• Responsible for underwriting FNMA/Freddie Mac conventional conforming and non-conforming, FHA and VA mortgage applications; ensuring compliance with both corporate, government and state requirements, utilizing both automated underwriting systems of Desktop Underwriter and Loan Prospector. Worked extensively with staff processors/loan originators on daily basis until corporate closure/relocation of Southwestern Branch to Midwest Region.
• Also responsible for some manual underwriting for those products not eligible for automated systems; ensured both borrower and property eligibility/conformity with corporate and agency policy.

Corporate Residential Mortgage Underwriter (Retail)
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First Mortgage Corporation | Flossmoor, IL

• Responsible for underwriting substantial volume of government residential loans, utilizing both FHA-approved CHUMs and VA LAPP licenses
• Thorough review and evaluation of applications, appraisals, credit reports and other credit documents within proper turnaround time
• Maintain knowledge base of up-to-date governmental agency regulations and guidelines
• Insure compliance with corporate and government standards
• Full examination of loan documentation to ensure accuracy and completeness
• Analyze applicant credit files; determine approval or denial
• Communicate underwriting decisions to multiple branch locations
• Maintain good working relationship with appropriate contacts
• Regular management updates on status of problem files; follow-through to resolution


Branch Office Coordinator; Senior Loan Processor (Retail)
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First Mortgage Corporation | Flossmoor, IL

• Advised all branch offices on FHA, VA and Conventional underwriting and processing guidelines and policies
• Reviewed loan submission packages prior to government underwriting, ensuring adherence to guidelines
• Post-closing quality control auditing of all branch files
• Post-closing quality control auditing of underwriter and appraisal documents to ensure compliance with government guidelines
• Limited Review Conventional Underwriter - approved to underwrite conforming FNMA and FHLMC residential and investor loans

Loan Processor (Retail)
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First Mortgage Corporation | Flossmoor, IL

• Processed high volume of FHA, VA and Conventional files
• Collected and processed loan documents, including income, credit, appraisal and title insurance
• Submitted files for underwriting; prepared files for closing department upon receipt of final approval

Loan Processor/Closer/Pre-Servicing (Retail)
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West America Mortgage | Homewood, IL

• Processed FHA, VA and Conventional loans for internal corporate underwriting
• Prepared complete closing packages for closing at title company
• Supervised loan closings with customers and title company, and authorized fund disbursement at time of closing
• Prepared and packaged final documents for corporate servicing department

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CERTIFICATION
MGIC Shared Resource Underwriter

Valid LA LAPP/SAR #

Valid FHA-CHUMS ID#