Underwriter

• Mar 2018 - Present

I am looking for an opportunity in the mortgage industry where my experience can be utilized to assist in the growth of a company as well as the development of its employees. Proven ability to mentor and guide employees in the ever changing mortgage business. I am looking for an opportunity in the mortgage industry where my experience can be utilized to assist in the growth of a company as well as the development of its employees. Proven ability to mentor and guide employees in the ever changing mortgage business.

Mortgage Underwriter

• May 2019 - Present

First US Community Credit Union – May 2019 – Present Real Estate Mortgage Underwriter – Mortgage Underwriter is responsible for underwriting First Mortgage and Home Equity loans. Responsible for underwriting loan request/ making sure that all loan conditions meet the Credit Union Policies and secondary market standards. Verify all conditions are met prior to closing. Requires adherence to complex regulatory oversite with the implementation of the TRID Regulastion. While ensuing “red carpet” service for members. First US Community Credit Union – May 2019 – Present Assistant Loan Office – Constantly exercises personal initiative to meet the goals of First US Community Credit Union. Provide administrative support to the loan officer while providing world-class service to members and staff. Working actively with the Loan officer by answering questions from members on real loans. Prepares, gathers and analyzes financial information on members for the purpose of determining qualifying status for mortgage loans. Collates, reviews, and verifies a myriad of loan documents for accuracy. Provides information on credit union products and services to members according to all credit union policies and procedures and Federal and State rules and regulations. Responsible for reviewing loan applications, identifying potential problems and checking important loan details and requirements before submitting all documentation to the processor or underwriter. Initiat pre-underwriting of loan applications and communicated with loan processors as needed. Originates when loan office is not available on conventional and FHA. Handles all inquiries regarding VA and Reverse Mortgages. Show less

Underwriter

• May 2016 - Oct 2016

Guaranteed Rate Affinity, LLC, Chicago, IL  October 2017 – March 2018 Conventional Underwriter – Analyzed residential mortgage loans to ensure they complied with bank, FHA, investor, and secondary market standards and guidelines. Evaluated loan conditions prior to forwarding to the closing department. Teamed with processing, underwriting, and closing department as needed to expedite loan process. Led training of new loan processors and reviewed reports to maintain strict processing timelines and schedules. Directed full loan application procedure, including organizing applications, complying required financial information, and communicating with customers. RMR FINANCIAL, LLC, LOS GATOS, CA  May 2016 - October 2017 Conventional Underwriter – Analyzed residential mortgage loans to ensure they complied with bank, FHA, investor, and secondary market standards and guidelines. Evaluated loan conditions prior to forwarding to the closing department. Teamed with processing, underwriting, and closing department as needed to expedite loan process. Led training of new loan processors and reviewed reports to maintain strict processing timelines and schedules. Directed full loan application procedure, including organizing applications, complying required financial information, and communicating with customers. Show less

Secretary/Treasurer

• Oct 2015 - May 2016

Underwriter 4

• Apr 2012 - Oct 2015

Underwrote conventional real estate loans. Underwrote conventional real estate loans.