MORTGAGE UNDERWRITER

Posted on: 2009-06-21

Professional Experience • • 12/2008 to 06/01/09 WELLS FARGO, Tempe, AZ Loan Originator • • Proven ability for sales accomplishments. • Delivered excellent customer service by closing loans for clients at there home versus our office. • Built new client referral base by providing excellent customer service. • Assisted clients with mortgage services and cross-selling loan programs where needed. • Assisted processors in preparing underwriting requirements. • Prepared loan documents for underwriter to examine. • Problem solved customer issues and routinely using my expertise to answer client questions. • • 05/2008 to 11/2008 METROCITIES MORTGAGE LLC, Phoenix, AZ Loan Officer • Routinely lending support to loan officers regarding hard to close loans. • Creating loan officers monthly goals. • Creating the company’s yearly goals. • Developing business leads for the company thru advertising and proactively seeking new business sources. • Developing new business banking partners to increase our lending options for loan officers and clients • 2000-2008 LIFETIME MORTGAGES, INC Milwaukee, WI Mortgage Underwriter • FNMA/FHLC knowledge • Performed loan underwriting on Conforming and Non-Conforming Loans A, Alt A and Subprime and Government loans • Ability to multitask workload in a fast-pace environment. • Provided informational support and mentoring to processors and closers concerning program guidelines and procedures. • HELOC/HELOAN • Trained and Mentored New Underwriters • Recognized as a resource person, problem solver, trouble shooter. • Wholesale and Retail -1st and 2nd mortgages • Underwriting experience with investor’s programs: SISA, SIVA, NO DOC, NO RATIO and FULL DOC. • Reviewed, analyzed and approved individual consumer requests and products within company and industry guidelines. • Determined decisions/exceptions beyond the authority levels of less experienced underwriters. • Served as a consultant/technical resource on difficult problems and questions. • Handled escalated calls: second level reviews; provided work direction, feedback and training to underwriting staff including coaching lower level underwriters on underwriting decisioning, department procedures and policies. • Processed Refinance, Purchases, and Inter-Family Transfers. • Extensive knowledge and experience with ARMs, Fixed Rate, Interest Only and HELOC loans. • Processed loans utilizing both Stated Income and Full Documentation requirements. • Opened Escrow, ordered Title Reports, Payoff Demand Statements, and Estimated HUD form Title Company. • Re-Disclosed on any missing, incomplete, or incorrect forms and reissued to Agent. • Daily contact with Agents and Title Companies answering all questions related to loans currently in progress and informing Agents of any follow-up requirements. • Maintained detailed records of all contact with all parties. • Received Conditional Loan Approvals with conditions and met all requirements for both Stated and Full Documentation Applications. 1995-2000 GREAT LAKES MORTGAGE, INC. Milwaukee, WI Loan Officer • Proactively developed new clients for potential loan applications via networking, attorney’s, home improvement contractors, banks and referrals. • Proven ability for sales accomplishments. • Delivered excellent customer service by closing loans for clients at there home versus our office. • Built new client referral base by providing excellent customer service. • Assisted clients with mortgage services and cross-selling loan programs where needed. • Assisted processors in preparing underwriting requirements. • Prepared loan documents for underwriter to examine. EDUCATION 1984-1989 Wilberforce University Wilberforce, OH B.S. Degree Business Management 1980- 1984 North Division H.S. Milwaukee, WI Diploma