Experiences at Universal Bancorp

Senior mortgage underwriter with extensive background in the mortgage industry, with skills in processing, underwriting, due diligence, quality control, auditing, credit assessment/investigation, risk analysis, appraisal review, and accounting in the wholesale/retail mortgage banking area.

Strong knowledge of compliance rules and regulations such as FNMA/FHLMC, REG B, Z, FCRA, AA REO relative to the granting of credit. Strong, analytical, detailed skills with the ability to prioritize, multitask, and learn new systems and concepts relating to the secondary mortgage market working with Alt/A, conventional, FHA/VA.

Ability to develop/implement procedures to increase productivity and efficiency, working well under pressure within a fast past environment having the ability to prioritize and multitask with interactive support for good team environment and great customer service.

AUS/Processing Systems and Software Experience

Point, Contour, Genesis2000, Loan Works, Loan Handler, Loan Quest, Mortgage Ware, Lotus Notes Empower, CHUMS, E-magic, Zippy-plus, Encompass, EMITS, Fannie Mae/Freddie Mac DU/DO/LP, LexisNexis, PowerPoint, Word, MS Excel, and MS Access...