Experience

Village Capital & Investment LLC

• United States
• Financial Services
• 100 - 200 Employee

• Underwriter

  • May 2023 - Present



Pentagon Federal Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Sr Underwriter

  • Aug 2021 - Aug 2023



seeking new opportunities

• Non-profit Organizations
• 100 - 200 Employee

• FGMC

  • 2019 - Aug 2021

  Sr Underwriter Sr Underwriter



Guaranteed Rate

• United States
• Financial Services
• 700 & Above Employee

• DE Underwriter - remote

  • Jul 2018 - Jan 2019

  Reviewing loan files in retail environment, with 5-8 touches a day to maintain a 24 hours turn time for loan review and conditions. Also using third party vendors such as Core Logic Fraud reports, real quest and lexis to verify documentation in files ● Manage pipeline on a daily basis for underwriters,conditions and other underwriting tasks. ● Communicate through email or phone calls with processors, loan officers and closers in regard to loan decisions, as to what is needed to approve loan file or escalate files to management for additional review. Show less



AnnieMac Home Mortgage

• United States
• Financial Services
• 500 - 600 Employee

• Mortgage Underwriter

  • Feb 2015 - Dec 2016



New Jersey Economic Development Authority (NJEDA)

• Financial Services
• 200 - 300 Employee

• Compliance Officer

  • May 2014 - Sep 2014

  • Reviews projects after the underwriting process is complete to ensure quality of underwriting and HUD eligibility per the authority's loan process guidelines in areas including, but not limited to application completeness, project eligibility and National objective requirements before loan goes to Director for final approval. • Observing job functions and learning requirements for the Hurricane Sandy program to create a process flow from when the Business Development officer takes the project, to the eligibility officer, underwriter, closing officer and the disbursement process. Create a policy and an audit checklist so that HUD, DEP DCA can audit projects efficiently. • Interviews applicants regarding business, financial and operational matters and personal financial information. Negotiates collateral or loan conditions and conducts site visits. • Reviews loan underwriting including financial statements, business and personal cash flow analysis, collateral analysis and the strengths and weakness that mitigates the approval of each loan; analysis of public policy consideration and compliance with internal credit and program policies. • Reviews financial statements and identifies potential issues. Attends bi-weekly credit meetings and monthly board meetings to discuss issues and respond to questions. • Analyzes detailed invoices, payroll records, processed checks, and credit card and bank statements submitted by applicants when determining the amount of loan proceeds eligible for disbursement and to ensure that funds requested are in DCA guidelines Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Sr Underwriter

  • May 2013 - Dec 2013

  • Reviewed and made decisions on 2-3 retail loans a day per Bank of America guidelines. Re-scored loans through their automated systems to determine documentation required for each loan. • Reviewed uploaded conditions on daily basis and provided feedback to processor/loan officer so loan can be cleared for closing, or if additional documentation was necessary. • Mentored and assisted processors and Jr. Underwriters. • Reviewed and made decisions on 2-3 retail loans a day per Bank of America guidelines. Re-scored loans through their automated systems to determine documentation required for each loan. • Reviewed uploaded conditions on daily basis and provided feedback to processor/loan officer so loan can be cleared for closing, or if additional documentation was necessary. • Mentored and assisted processors and Jr. Underwriters.



Allied Mortgage Group Inc.

• United States
• Banking
• 100 - 200 Employee

• Underwriter

  • Feb 2013 - Apr 2013

  • Reviewed 3 wholesale or retail loans per day. Each loan was targeted for a specific investor therefore had to follow different guidelines for each loan. • Reviewed all conditions received for loans underwritten. Once they were reviewed, provided “clear to close” to processors, and account managers so they could send loan to post-closing audit team and then on to closing. • Worked with processors and account managers to help get loans approve. If possible, offered other options on how loan was submitted so that commitment letter could be provided to borrowers. Show less



PHH Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Sr Underwriter

  • Oct 2009 - Feb 2013

  • Evaluated and made underwriting decisions on 5 to 8 wholesale loans per day based on investor guidelines for income verification, credit evaluation, collateral examination and appraisal assessment. • Knowledge of guidelines from Fannie Mae, for Home path, HARP products and First Time community Home Buyers Program, Freddie Mac, jumbo products, construction lending, construction-permanent financing FHA guidelines and certified USDA government loan for all 50 states • Experienced in computerized underwriting with Loan Prospector from Freddie Mac, and Desk Top underwriter from Fannie Mae and GUS from USDA • Strong analytical skills, excellent verbal and written communication skills. Able to make sound decisions utilizing problem-solving abilities. Excellent organizational skills, multi-tasking, time management and decision making skills. • Possess strong customer service and problem-solving skills. Possess the ability to communicate with loans with manager and co-workers to make sure each loan gets completely reviewed as to whether it can be approved or not Show less



Contemporary Staffing Solutions

• Mt Laurel NJ

• Credit Risk Analyst Level III

  • Jan 2009 - Sep 2009

  • Underwrite loans for credit, income and asset packages per investor guidelines and PHH sales manual. Reviewed all documentation for fraud and accuracy. • Ordered subordination packages. Included reviewing title for all liens, comparing to credit report, updating CASH, with amounts and fees and calling lenders for requirements. Verified combined loan to values that were within PHH and lender guidelines. • Examined title commitments, Powers of Attorney, Quit Claim Deeds and Title Bring Downs for accuracy, loan amounts, mortgagee clause and recording information. Reviewed title schedule BII for all liens, mortgages, taxes and judgments. Verified all covenants and restrictions for land use which matched our subject. Show less



Indy Mac Bank/Mortgage Banking Group

• Marlton NJ

• Quality Control Auditor / Sr underwriter Level IV

  • Apr 2003 - Jul 2008

  • Audited 4-5 loan files per day; assessed the overall credit risk of the loan and re-underwrote the loan file to ensure accuracy, consistency and investment quality of the loan. • Reviewed overall credit file documents for accuracy, completeness and consistency with other documents in the loan file. • Re-verified credit documents to determine integrity and accuracy of information provided and reviewed loan file for compliance to credit policies and procedures. • Reviewed servicing notes and used web-based tools to ensure accuracy and consistency from a pre-funding perspective. • Evaluated file documentation to determine the existence of fraud. • Entered data in the Quality Control Database and reported quality control findings and classified each loan with a status code based on the review of the loan file. Completed a formal quality control write-up describing the issues and provided supporting documentation. • Identified client efficiency issues. Investigated irregularities. Recommended improvements to supervisory level. Reviewed electronically submitted and or traditional loans, underwrote loan applications, verified data integrity, reviewed appraisals, resolved suspense/approval conditions, and communicated with brokers, account managers and loan officers to facilitate loan closings, signing authority up to 1 million. Show less