Description
Familiarity with HUD underwriting guidelines, HUD housing handbooks, Mortgagee Letters and documentation, mortgage and legal documentation. * Valid CHUMS #BF38 * VA LAPP/SAR #11086 * Strong Knowledge of underwriting skill set (analysis of credit, income, assets, collateral, and guidelines). * Excellent communication skills both in writing and verbally. * Able to interact with all levels of staff and management. * Approve, decline, or suspend mortgage loan submission. * Train loan officers and processors with the packaging of loans to meet investor requirements. * Assist with closing/post-closing of the loan. * Attended USDA training and assisting Gold Star with approval process. * Recommend suggestions to management for process flow improvements. * Resolve complex problems and issues. * Highly proficient in Fannie Mae, Freddie Mac, and FHA. * Evaluated credit and property documentation on loan files so that the appropriate decisions are made as to acceptability of the investment risk. * Interacted daily with loan officers, processors, and sales directors regarding appraisal concerns in order to close loans efficiently. * Reviewed the appraisal to determine appropriate value, compliance and acceptability of the subject property. * Full working knowledge of the mortgage underwriting process from application to closing, with the ability to underwrite first and second mortgages. * Consistently hit and exceeded monthly goals averaging 120% to goal expectations. * Determined the monthly mortgage insurance premium for required loans over 80% LTV Special Certifications NMLS (S.A.F.E. ACT) FHA Direct Endorsement Certification
Accomplishments
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