Experiences at New Century Mortgage

Entered Exceptions into Empower, Heavy Data Entry, Generated,sorted shipping reports for 8-10 investor delivery specialists, Problem solved investor's websites, entered Deed of Trust inforamtion into Mers website, Assisted in special projects, Outllook, excel,

Allocated loans to 8-10 investor delivery personel on a daily basis . Input suspense items into empower,Entered Exceptions for several investors including wells Fargo, Countrywide, citimortgage into Empower. Generated and sorted shipping reports. Problem solved investor's websites, Excel manifest, entered deed of trust and title information into Mers website....

Dependable, Honest, Hardworker, What a great company to have worked for.

Senior Underwriter responsible for Risk Assessment, Credit and Income Analysis and Appraisal Review.Approval Authority of $600000.00 Promoted to Risk Manager for Pacific NW Region. Responsible for clearing Credit Bureau Fraud warnings, Compliance,Audit,and Regulatory reporting

* Underwrite and audit sub-prime/secondary market.
* Meet compliance of state, legal and complying with investor guidelines.
* Analyze credit, appraisal and documentation requirements.
* Manage data audits and data discrepancies performed by audit firms.
* Use of lending/underwriting software and systems.
* Recalculate income analyses and under and over-disclosures....

Since the sub-prime meltdown took the company out shortly after I became permanent, my biggest challenge was to handle the intense stress of working in a crisis situation where very little information was allowed to be communicated to employees.

Starting as a temp through TechLink Systems and becoming permanent staff member in January 2007, I wrote and manged the employee communications via email. I also assisted with web content and other employee communications efforts.

Underwrote new loan submissions according to company guidelines utilizing a credit authority up to $450,000.

Utilized strong customer service skills with the mortgage broker client base.

Mentored fellow underwriting & loan processing staff.

My duties were are such: to be a lei son with mortgage brokers to document all conditions on loans that were in process. To correctly identify a mortgage rating based off a individuals credit report and to be able to read it accurately. Income documentation and accurately calculating DTI. I have experience with verifications of mortgage and rental history. I also have the ability to read and understand property appraisals. Customer service with brokers was outstanding and processing the loans with accuracy, attention to details while still maintaining a level of fast turn-around times, was also critical. I have extensive knowledge on understanding title reports from various states, and have worked closely with escrow officers to fund residential home loans. I am also familiar with divorce decrees and child support orders. My job was also to research for any information needed. Extensive knowledge of guidelines and program requirements ( while ever changing ) were also required. Clearing conditions of authority level was a must. Doc processing, prepping files and sending out documents to escrow. Working with escrow and brokers to get funding conditions to be able to send out wires. Knowledge of secondary marketing and sub-prime loans. Working with Account Executives as a team to ensure customer service to brokers....