Senior/front line underwriter with 20-+ years of experience. Motivated, personable professional, with the aptitude to work independently and handle multiple assignments to achieve maximum results. Effective communicator and ability to work within a team environment or independently. Organized with an ambition for detail. Accustomed to handling sensitive and confidential records. Specializing in jumbo and conventional underwriting guidelines.

COMPANY	POSITION HELD	DATES WORKED
BEST CAPITAL FUNDING – PRIORITY CAP	Underwriter	/2012 - /2013
INTERTHINX	Quality Control Underwriter	/2008 - /2011
GE MONEY BANK – WMC MORTGAGE	Territory Manager – Senior Corporate Manager	/2000 - /2007

SCHOOL	MAJOR	YEAR	DEGREE
Hamilton High School	Language		High School/GED Degree

TYPE	TITLE	URL	DESCRIPTION
Website	HUD	media url	Hud programs
Website	Fannie Mae	media url	federal home loan association

Highlights:

Built $50 million monthly retail/wholesale production pipeline increasing productivity and profit. Managed 25 member production team ensuring quality customer relationships. Managed $100 million monthly production team which resulted in increased profitability.

Companies I like:

Union Bank of California, , US Bank, , Fannie Mae, Freddie Mac

manual underwriting
appraisal review
quality control underwriting
fraud detection
trained and development of sales and credit staff
managed wholesale production
re-structure loans for subsequent approvals
evaluation for possible misrepresentation
customer service
Conforming & Nonconforming Loans, FRMs, ARMs, GPMs, Jumbo Loans

• jumbo loan
• PMI
• clouded title
• quality control
• compliance
• corporate tax returns
• manual underwrite
• Costumer Service
• Fannie Mae
• Appraisal review
• Problem Solving
• Multi-tasking
• Excellent follow throught
• Correspondent lending
• Wholesale lending
• Pre-qualification
• Fraud Flags

Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability. Ensured loan submittals met internal and external eligibility requirements while comparing to loan guidelines. Provided meticulous attention to detail in underwriting mortgages. Also review the appraisal and title reports, employment and credit, evaluated the financial strength of borrowers to determine risk and repayment capacity. Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements. Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.