Work history
Contract Underwriter
tags:
manual underwriting
• fronline underwriting
• due diligence
How would you describe your time at CareerLink?
Contracted to work for large mortgage company reviewing, underwriting consumer, FHA, and VA loans on compliance and soundness for investor and client regulatory guidelines using the (LIS) Loan Prospector Automatic underwriting decision system with DOS based program. Responsible for reviewing and evaluating DTI and LTV ratios with credit scores, appraisal valuation and other factors to determine loan viability.
Performed analysis of the loans making decisions regarding the credit worthiness or any compensating factors identifying the risk and potential fraud. Applications were reviewed for accuracy and loan conditions documented, average loans underwritten per day was seven.... 
Senior Underwriter
tags:
underwriting fha
• va loans
How would you describe your time at Nationwide Bancorp?
Reviewed, inspected and validated conventional and FHA loans using DU/LP and AUS for completeness, accuracy and soundness which included, appraisals, titles, using debt ratio, loan-to-value, and credit scoring with compensating factors on all applicable compliance documentation.
Determined loan conditions while communicating requirements and decisions o processors and loan officers.
Stayed in compliance with FHA, investor, internal and regulatory guidelines making sure of accuracy, and fraud prevention....
Senior Underwriter IV
tags:
frontline underwriting
How would you describe your time at BNC Mortgage?
Front-line and due diligence underwriting done on 1-4 family consumer loans evaluating the financial strength and credit worthiness of the borrowers using AUS with authorization to $900K based on documentation requirements of the secondary market.
Conventional and FHA loans were approved or denied depending on the condition of loan, underwritten from multiple perspectives of the loan industry using debt ratio, credit, appraisal valuation, reviewing title while setting conditions.
Served as Advisor answering underwriting questions for loan processors and originators while training new employees. Acted as a point of reference (internally and externally) for underwriting and auditing issues....
Senior Underwriter
tags:
manual and automatic underwri...
How would you describe your time at long beach mortgage?
Loan decisions were made within company guidelines and specified limits, manually when required including FHA, conventional loans determining income, credit risk and title review as senior underwriter IV with approval authority of 950K.
Accurately reviewed loan characteristics with respect to exceptions, compliance/fraud issues and documented deficiencies, while fraud detection techniques with compliance reviews were implemented. Stipulations were placed on loans making the appropriate underwriting decisions with the rationale behind it.
Provided a high level of loan review skill for high risk transactions and communicated decisions effectively to all levels of production personnel identifying portfolio risks from client???s underlying business practices and/or fraud exposure.
Partnered with other underwriters and management implementing new procedures with LOS and trained underwriters in other locations....
