Experience

Highlands Residential Mortgage, Ltd.

• United States
• Financial Services
• 300 - 400 Employee

• QC Analyst

  • Apr 2018 - Present



Supreme Lending

• United States
• Financial Services
• 700 & Above Employee

• Post Closing Underwriter

  • Jun 2017 - Feb 2018



Tata Consultancy Services

• India
• IT Services and IT Consulting
• 700 & Above Employee

• Mortgage Underwriter

  • Sep 2016 - Apr 2017



Freedom Mortgage

• United States
• Financial Services
• 700 & Above Employee

• Underwriter

  • Jun 2016 - Sep 2016

  Underwrote Conventional Loans, Jumbo, Refinance, MI, Purchase, cash out, PUD, Condo, Investment/rental, Single Family, Second Homes, attached, detached and Primary Residences; Analyzed every loan file to assess risk and issue a credit decision.  Entrusted with open lending authority up to $417,000; Reviewed credit file, income, assets, retirement accounts, appraisal, title, payoff and additional documentation to support credit decision.  Underwrite a minimum of 4-6 Conventional loan per day and help maintain 24-48 hour turn times;  Sign off on underwriting conditions within 24 hours of resubmission  Maintain current understanding of all Fannie Mae, Freddie Mac, DU and LP guidelines and policies Show less



Nkt Financial Solutions Limited

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Underwriter

  • 2015 - Jun 2016

  Also worked with NKT 2005- 2012 as a JU Underwrite conventional, jumbo, adjustable rate mortgage, purchase, refinance, cash out, single-family residence, PUD, condo, 2-4 unit, investment, and primary and secondary loans. Conduct comprehensive risk assessment to make decisions regarding conditional approval, suspended, or declined statuses for borrowers.  Entrusted with a lending authority up to $650,000; analyzes income, self-employed documentation, credit, assets, bank statements, titles, appraisal and additional documentations to generate decisions  Achieved continual compliance with strict regulations, including Fannie Mae (FNMA), Freddie Mac (FHLMC), and lender and investor guidelines; proactively uncovered and mitigated key financial risks Show less



Wingspan Portfolio Advisors

• United States
• Wholesale
• 100 - 200 Employee

• Underwriter

  • Jan 2015 - Jul 2015

  Analyzed modification loans for FNMA, FHLMC, and FHA to insure applicants meet the policy modification guidelines; Reviewed income (wage earner & self employed), mortgage histories, DTI and LTV per guidelines;  Analyze loan requests to determine the appropriate documentation solution  Advise relationship managers on loan structure and make recommendations  Document and determine loan conditions and effectively communicated loan requirements and conditions for approvals to Customer;  identify and recommended alternative loan structuring and requirements  Maintain current on all pending and proposed regulatory changes affecting compliance.  Entrusted with open Lending Authority Show less



Staffmark

• United States
• Staffing and Recruiting
• 700 & Above Employee

• Underwriter

  • 2012 - 2015

  Reviewed and underwrote loans while achieving compliance with FNMA, FHLMC, and investor guidelines; gathered and analyzed loan attributes and documentation, analyzed loan files to identify risk or potential misrepresentation, and assessed income, credit, and equity of loan files. Consistently surpassed expectations.  Entrusted with lending authority up to $850,000; independently performed comprehensive evaluations on complex, high-risk loan applications and generated decisions to prevent company loss  Determined and documented loan conditions and effectively communicated loan requirements and conditions for approvals; identified and recommended alternative loan structuring and requirements Show less



Frisco Ymca

• United States
• Primary and Secondary Education

• Site Director

  • Aug 2007 - May 2011

  Planned, coordinated and seamlessly executed events and activities while maintaining supervision of the site and ensuring child safety; supervised children in grades K through 5. Served as a role model and positive influence for children and staff; maintains a positive attitude and promoted high self-esteem and confidence.  Collaborated with the Senior Program Director, Program Director, Site Staff, school contacts, and parents; established key relationships, maintained open communication, and implement procedures  Directed the operations of the after-school program while maintaining compliance with TDFPS standards and the YMCA of Metropolitan Dallas; implemented and strictly enforced key procedures  Coordinated activities, developed agendas, created weekly lesson plans, and formulated enrichment activities to stimulate the interests of children; maximized the knowledge and abilities of the children Show less



Mortgage Bankers' Consultants

• United States
• Financial Services
• 1 - 100 Employee

• Auditor

  • 2011 - 2011

  Served as the Due Diligence Auditor for the company; reviewed closed loan packages for purchase on the secondary market. Conducted comprehensive evaluations of collateral, including notes, mortgages, titles, and appraisals. Successfully completed 10 - 15 loan reviews on a daily basis while maintaining strict accuracy.  Performed credit file reviews and validation of income and assets; analyzed credit reports, identified potential risk and misrepresentations, and worked with internal and external teams to resolve issues Show less