Experience

V.I.P. Mortgage, Inc.

• United States
• Financial Services
• 200 - 300 Employee

• Sr Underwriter

  • Sep 2018 - Present

  Scottsdale, Arizona



Unemployed

• Previous mortgage underwriting manager

  • Jul 2018 - Present

  Phoenix, Arizona Area



Union Home Mortgage Corp.

• United States
• Financial Services
• 700 & Above Employee

• Team Lead

  • Jun 2018 - Jul 2018

  Phoenix, Arizona Area



Alliance Home Loans NMLS#142084

• United States
• Banking
• 1 - 100 Employee

• Underwriting Manager

  • Oct 2014 - Jul 2018

  Phoenix, AZ · Responsible for keeping underwriters up to date on guideline changes with FHA, VA, FNMA, FHLMC and USDA as well as Investor guideline changes and overlays · Work with other department managers to help facilitate communication and efficiency between departments · Address QC Department concerns and issues on a daily basis as well as a monthly report · Assist branch managers in reaching resolutions on files that have potential issues to ensure there are no salability or audit problems… Show more · Responsible for keeping underwriters up to date on guideline changes with FHA, VA, FNMA, FHLMC and USDA as well as Investor guideline changes and overlays · Work with other department managers to help facilitate communication and efficiency between departments · Address QC Department concerns and issues on a daily basis as well as a monthly report · Assist branch managers in reaching resolutions on files that have potential issues to ensure there are no salability or audit problems · Second sign on files with higher DTI’s as set by company’s benchmark for risk · Second sign on all files that we issue a decline to make sure we have explored all avenues and ensure we have completed correctly for compliance · Work with post-closing to assist with resolving issues with files being purchased · Underwrite FNMA, FHLMC, FHA files as well as our Jumbo and Portfolio products · Assist Compliance Department and QC Department with post-closing audit responses

• Sr. Underwriter

  • May 2012 - Sep 2014

  Phoenix, AZ · Responsible for underwriting and approving FNMA, FHLMC, FHA and Portfolio product loans · Delegated to approve loans for MI with Radian, Essent, United Guaranty · Understanding and underwriting not only to agency and GSE guidelines but to our investor overlays · Assisted with post-closing clearing of conditions for loans being sold to investors · Performing quality control checks on files for undisclosed property, social security # issues · Ensuring files underwritten are also… Show more · Responsible for underwriting and approving FNMA, FHLMC, FHA and Portfolio product loans · Delegated to approve loans for MI with Radian, Essent, United Guaranty · Understanding and underwriting not only to agency and GSE guidelines but to our investor overlays · Assisted with post-closing clearing of conditions for loans being sold to investors · Performing quality control checks on files for undisclosed property, social security # issues · Ensuring files underwritten are also in compliance with current RESPA disclosure guidelines