Senior Underwriter

Posted on: 2007-09-25

ELENA V. RAMOS 1670 BURKHART AVENUE SAN LEANDRO, CA 94579 CELL #510-504-4707/HOME #510-614-2119 SKILLS: Over 20 years of Mortgage lending experience, with the last 6 years as Senior Underwriter, underwriting Conventional loans. Knowledge of FHA and VA Underwriting as well. WORK HISTORY: 08/2005 to present AMX Mtge. – Sr. Underwriter Responsible for complete review and approval of Conventional conforming and non-conforming loans. Make sure loan conform to Investors and Government guidelines. Provide assistance & guidance to Loan Officers and brokers regarding underwriting issues 02/2001 to 07/2005 Aurora Loan Services – Sr. Underwriter Responsible for complete review and approval of Conventional conforming and non-conforming loans. Make sure loans conform to Investors and government guidelines. Provide assistance/guidance to Loan Officers and brokers regarding underwriting issues 11/1998 to 8/2001 PMI Mortgage Insurance Co – Servicing & Claims Specialist Process and analyze delinquent loans for financial loss prevention and mitigation. Coordinate with Customers, realtors, borrowers. Review appraisal/BPO to make sure still has sufficient collateral. Settle claims and process payment. 04/1998 to 11/1998 Standard Financial – Quality Control Supervisor Responsible for all the QC monthly report. Review 10% of loans closed and make sure loans were in compliance with Government & Investor guidelines. Also responsible for all the pre-funding audit 04/1996 to 4/1998 Greenpoint Mtge (Headland Mtge) - Sr. Quality Control Analyst Responsible for all pre-funding audit for Conventional and Government loan that comes in the door. Make sure loan conforms to Government & Investor guidelines. Perform appraisal review 08/1986 to 04/1996 Greater Suburban Mtge – Quality Control Supervisor Supervise Quality Control Analyst. Make sure Analyst review loans in compliance with government and Investor guidelines. Perform both pre-funding & post funding audit for both Conventional & Government loans EDUCATION: Merritt College, Oakland, CA – 12 units of Real Estate Course MBA – Loan Underwriting and Loan Processing Phil. School of Business Administration – BSBA – Management Numerous Underwriting, Processing, Appraisal and Lending seminars REFERENCE: Available upon request