Experience

W.J. Bradley Mortgage Capital, LLC

• United States
• Financial Services
• 200 - 300 Employee

• Underwriter

  • Mar 2013 - Present



W.J Bradley

• Mortgage Underwriter

  • Mar 2013 - Present

  Mortgage Underwriter- W.J Bradley Knowledgeable of FNMA/FHLMC guidelines. Underwrote loans according to guidelines on retail loans for Purchase and Refinance Transactions Corresponded with Private Mortgage Insurance companies Calculated PMI into ratios and checked the certification for accuracy Reviewed income and asset documentation Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report. Mortgage Underwriter- W.J Bradley Knowledgeable of FNMA/FHLMC guidelines. Underwrote loans according to guidelines on retail loans for Purchase and Refinance Transactions Corresponded with Private Mortgage Insurance companies Calculated PMI into ratios and checked the certification for accuracy Reviewed income and asset documentation Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report.



US Army

• United States
• Armed Forces
• 700 & Above Employee

• Crew Chief

  • May 2009 - Present

  Supervises the removal and installation of airplane subsystem assemblies such as engines, rotors, and gearboxes. Trains subordinates on mechanical flight controls and their components. Inspects the servicing and lubrication of aircraft and subsystems. Performs aircraft inspections and maintenance checks. Performs scheduled inspections and assists in performing special inspections. Oversees maintenance of operational checks and assists in diagnosing and troubleshooting aircraft subsystems. Uses and performs operator maintenance on tools, special tools and aircraft ground support equipment. Keeps records related to aircraft maintenance. Provides technical guidance to subordinate personnel. Performs operational checks and scheduled inspections. Diagnoses and troubleshoots malfunctions in aircraft subsystems. Show less



Inglet Blair/AFR

• Mortgage Underwriter

  • Jun 2012 - Mar 2013

  Knowledgeable of FNMA/FHLMC, FHA/VA and Sub-Prime guidelines. Underwrote loans according to guidelines on retail loans for Purchase and Refinance Transactions Corresponded with Private Mortgage Insurance companies Calculated PMI into ratios and checked the certification for accuracy Reviewed income and asset documentation Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report. Knowledgeable of FNMA/FHLMC, FHA/VA and Sub-Prime guidelines. Underwrote loans according to guidelines on retail loans for Purchase and Refinance Transactions Corresponded with Private Mortgage Insurance companies Calculated PMI into ratios and checked the certification for accuracy Reviewed income and asset documentation Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report.



Newbold Advisors- Bank of America

• Underwriter

  • Feb 2012 - Jul 2012

  Conditioned loans for documentation needed for full approval Pulled credit and updated liabilities in the system accordingly Made sure that the ratios were within program guidelines Calculated CLTV/HCLTV Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report. Conditioned loans for documentation needed for full approval Pulled credit and updated liabilities in the system accordingly Made sure that the ratios were within program guidelines Calculated CLTV/HCLTV Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report.



Newbold Advisors- Chase

• Senior Relationship Manager

  • May 2011 - Feb 2012

  Newbold Advisors- Chase Responsible for conducting an overview of mortgage loans reviewed by my peers, in accordance with the OCC consent. Worked directly with team members daily to improve productivity, and to optimize achievement. Provided constructive feedback, coaching for redirection, and cross training to team members. Perform monthly file audits on cases reviewed and submitted by relationship managers to ensure accuracy, as well as coaching opportunities. Verified the integrity of all regulatory compliance with investor backed mortgages. Maintained #1 Subject Matter Expert, for 6 consecutive months in a row. Through the knowledge that I provided, as well as support, my team was comprised of consistent top ranking and award winning employees as a result. Responsible for tracking and reporting the production volumes. Processing 10-15 loans per day into Empower system: Audit and stack files according to investor guidelines to ensure prompt purchase of the loan liaison with branch and title companies to clear suspense of the loan. Review all HUD and GFE to ensure accuracy of fees. Also, cross-training with LSR, Condition Specialist, and Due Diligence Underwriter. Audited loan files in adherence to credit policy, guidelines and regulations; Overview underwriters’ decisions considering debit to ratio, credit report, salaries, calculated escrow and fees for accuracy. Show less



USAA Mortgage

• Underwriter

  • Jul 2010 - Mar 2011

  Knowledgeable of FNMA/FHLMC, FHA/VA and Sub-Prime guidelines. Underwrote loans according to guidelines on retail loans for Purchase and Refinance Transactions Corresponded with Private Mortgage Insurance companies Calculated PMI into ratios and checked the certification for accuracy Reviewed income and asset documentation Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report. Conditioned loans for documentation needed for full approval Pulled credit and updated liabilities in the system accordingly Made sure that the ratios were within program guidelines Calculated CLTV/HCLTV Verified liabilities Reviewed subordination agreements Manual underwrites/ DU/LP Underwrote/Approved the collateral report. Show less



Affordable Home Loans

• Underwriter

  • Jan 2008 - Apr 2009

  Made credit risk decisions based on sound underwriting judgment, the application of underwriting guidelines and principles, and the thorough analysis of complex loan documentation; including appraisal reports, compliance inspections, credit reports, verification's, bank statements, tax returns and financial statements. Evaluated the credit worthiness of loan applicants and the value and marketability of the subject property. Insured loans meet all bank, investor, federal, state and local policies, guidelines and regulations. Thoroughly documented the overall credit decision in both the loan file and in the loan origination system; including the credit, income, asset and valuation analysis. Assisted in the management of the overall mortgage credit risk through loan level underwriting analysis and review; continuously monitors and provides on-going feedback on the overall credit and file quality; actively participates in pre- and post funding quality control processes. Maintained a thorough knowledge of market conditions in the geographic areas where mortgage loans were being originated; maintained a complete understanding of all bank and secondary market policies and guidelines; as well as remained current on all changes and updates to these policies and guidelines; evaluated, analyzed and communicated applicable changes and updates to operations teams when necessary. Show less



Apex Funding Inc

• Underwriter

  • May 2005 - Dec 2007

  Made credit risk decisions based on sound underwriting judgment, the application of underwriting guidelines and principles, and the thorough analysis of complex loan documentation; including appraisal reports, compliance inspections, credit reports, verifications, bank statements, tax returns and financial statements. Evaluated the credit worthiness of loan applicants and the value and marketability of the subject property. Insured loans meet all bank, investor, federal, state and local policies, guidelines and regulations. Thoroughly documented the overall credit decision in both the loan file and in the loan origination system; including the credit, income, asset and valuation analysis. Assisted in the management of the overall mortgage credit risk through loan level underwriting analysis and review; continuously monitors and provides on-going feedback on the overall credit and file quality; actively participates in pre- and post funding quality control processes. Maintained a thorough knowledge of market conditions in the geographic areas where mortgage loans were being originated; maintained a complete understanding of all bank and secondary market policies and guidelines; as well as remained current on all changes and updates to these policies and guidelines; evaluated, analyzed and communicated applicable changes and updates to operations teams when necessary. Show less



Fidelity Mortgage Team Powered By Benchmark Mortgage

• United States
• Financial Services
• 1 - 100 Employee

• Mortgage Loan Processor

  • Feb 2001 - May 2005

  Processor- Fidelity Mortgage Managing a pipeline of refinancing conventional and VA loan. Ensured returned signed application and disclosures were within the RESPA guidelines. Handled purchases and refinance transactions. Prepared the GFE, reviewed credit, and generated a list of supporting documents. Submit required documentation such as income, assets, homeowners insurance, cleared title, subordination agreement, payoff statement per AUS, DU and DU Plus requirement to underwriters for final approvals. Approved and balanced final figures on HUD-1 and ordered wire for funding. Show less