Description
One ~ Irvine, CA~ Dec. 2017 to present Perform complete underwriting analysis of FHA, VA & Conventional loans to ensure they meet investor overlays, HUD, VA, Fannie, Freddie guidelines for purchases & refinance transactions. Analyze the risk of each loan transaction & provide justification for loan decision w/compensating factors. Evaluate income documentation to determine if risk of applicant is acceptable based on the analysis of W2's, pay stubs, personal & business tax returns. Determine borrower's level of qualification to render underwriting decision based on the ability to repay. Entered all underwriting fields, conditioned out loan, and signed-off all conditions. Execute all documentation necessary to finalize the underwriting of the loan file Worked closely with the Loan Officers and provided excellent customer services. Reviewed appraisals in detail to determine value. Helped in training the processors completed any assignments requested of me. VA SAR LAPP/FHA/Sr. Underwriter All Home Lending, Inc. ~ Santa Ana, CA ~ Jan 2017 to July 2017 Underwrite VA & conventional loans in accordance with Investor, VA & FHA guidelines, analyze the risk of each loan transaction & provide justification for loan decision w/compensating factors. Evaluate income documentation to determine if risk of applicant is acceptable based on the analysis of W2's, pay stubs, personal & business tax returns. Determine borrower's level of qualification to render underwriting decision based on the ability to repay. Input all required underwriting fields into Lending QB approve, condition out loan, sign-off all conditions. Execute all documentation necessary to finalize the underwriting of the loan file. Cleaned up their VA Portal i.e. file requests, deficiencies & non-complaint loans, helped get FHA loans insured. Provide excellent customer service with internal staff all done in timely responses. Trained current personnel helped customized Lending QB, Perform all other assignments requested of me. VA SAR-LAPP/FHA/Sr. Underwriter Sovereign Lending Group ~ Costa Mesa, CA ~ March 2015 to Sept. 2016 Underwrite VA & conventional loans in accordance with SLG, Investor and VA guidelines, analyze the risk of each loan transaction & provide justification for loan decision with compensating factors. Evaluate income documentation to determine if risk of applicant is acceptable based on the analysis of W2's, pay stubs, personal & business tax returns. Determine borrower's level of qualification to render underwriting decision based on the ability to repay. Input all required underwriting fields into Encompass 360 approve and condition out loan, sign-off all conditions. Execute all documentation necessary to finalize the underwriting of the loan file. Provide excellent customer service with all internal staff and external customers all done with timely responses. Perform all other assignments requested of me. Sr. Underwriter/FHA/VA Star Financial ~ Laguna Hills, CA ~ August 2014 to March 2015 Perform complete underwriting analysis of FHA, VA & Conventional loans to ensure they meet HUD, Fannie, Freddie & investor guidelines/overlays for purchases & refinance transactions, detailed review of appraisals to determine value, prepare loan approvals, review/ sign off conditions, finalize the loan for Doc's. Sr. Underwriter FHA/VA OCMBC, Inc. ~ Tustin, CA ~ May 2012 to August 2014 Responsibilities perform complete analysis of FHA, VA & Conventional loan files to ensure they meet all government, Fannie Mae, Freddie Mac and Investor underwriting guidelines for insuring & purchase, included refinance & purchase transactions, detail review of appraisals to determine accurate value, prepare loan approvals, review & sign off conditions Sr. Underwriter/FHA Affiliated Funding Corp. /In-house Lender ~ Costa Mesa ~ December 2008 to April 2012 Perform complete analysis of FHA & Conventional loan files to ensure they meet all HUD & investor underwriting guidelines for purchase & refinance transactions, detail review of appraisals to determine accurate values, prepare loan approvals, review and sign off conditions. Hands on with the processors, helped train them on all the new laws. Underwriting Manager IRES Funding ~ Fountain Valley, CA ~ November 2004 to November 2008 Supervise underwriting operations, which included managing nationwide staff of underwriters and processors, assist in development of policies and procedures, Corresponded with multiple investors, problem solve, approved all exceptions, Underwrote files, sign off all my conditions.
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