Experience

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  Chase

  • Greater New Orleans Area

  • Mortgage Underwriter III

    • Sep 2020 - Nov 2022
    • Greater New Orleans Area

    • Analyzed loan application (1003) for accuracy and to identify any risk issues and/or potential misrepresentation.• Analyzed credit bureau to determine DTI ratio; calculated DTI/LTV ratios ensuring application met all guidelines for loan approval. • Entered accurate figures into system of record such as, DU and LP underwriting system.• Gathered financial information and compiled documents. Reviewed and prepared income worksheets and profit and loss statements for self-employed clients.• Negotiated and formalized repayment arrangements with customers when appropriate. This included verifying arrears, and formulating terms of repayment. • Gathered, analyzed and reconciled payroll accounting and payroll personnel data to prepare accurate records for submission to the appropriate authority. • Worked with FHA, VA, USDA, Fannie Mae and Freddie Mac loans in re-vamping and modifying current loans into modifications.• Reviewed and decisions income documentation, credit, assets, liabilities, property appraisals, and title reports to ensure loans met investor/company guidelines.• Served as team lead and point of contact when Supervisor was out of office. • Acknowledged by management for consistently exceeding metrics related to productivity and quality as well as earning top 5% performer status.

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  Hancock Whitney

  • Loan Underwriter II

    • Feb 2017 - Aug 2019

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  IBERIABANK Mortgage

  • Greater New Orleans Area

  • Mortgage Loan Processor

    • Aug 2014 - Jul 2015
    • Greater New Orleans Area

    • Verified loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. • Understood and analyzed credit scores, bankruptcy navigator scores, debt to income ratios and loan to value analysis; analyze financial statements, review paystubs, W2 income and analyzes personal and business tax returns for income verification of applicants. • Ensured that all loan documentation were complete, accurate, verified and complied with company and government policies. Worked with FHA, VA, USDA, Fannie Mae and Freddie Mac loans.• Inputted proper loan information into the system for processing. Reviewed file documentation and made sure all items needed were requested. Ordered and coordinated loan documents.• Entered accurate figures into system of record such as, DU and LP underwriting system.• Identified and reported suspected fraudulent activity to any stakeholder and escalated issues to management when necessary.• Effectively completed 5-6 loans per day in various stages of completion, meeting all crucial deadlines.• Educated first-time home buyers throughout the entire process.• Supported Loan Officers during the qualification process and turndown decisions; provided support to Loan Officers and other processors regarding questions and/or clarification of inquires, loan files, and underwriting guidelines.

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  Cornerstone Home Lending, Inc.

  • Greater New Orleans Area

  • Mortgage Loan Closer

    • Apr 2010 - Sep 2010
    • Greater New Orleans Area

    • Used automated systems in order to reconcile error, compile data and meet processing and project deadlines in a production environment. • Analyzed credit bureau to determine DTI ratio; calculated DTI/LTV ratios ensuring application met all guidelines for loan approval.• Analyzed income documentation, tax returns, credit reports, judgments and bankruptcy documents. • Reviewed multiple loan product guidelines and made sure in compliance with mortgage loan decision according to DU/LP terms and risk assessment. • Determined the amount of loan to be approved when all criteria for underwriting has been met.• Kept up-to-date on investor and regulatory guidelines, procedures and changes that affect mortgage underwriting.

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  Bank of America

  • Greater New Orleans Area

  • Mortgage MLO Support II

    • Jan 2006 - Apr 2010
    • Greater New Orleans Area

    • Independently created workout plans for customers, by conveying financial responsibility and benefits into structured plans customers could afford and balance to rebuild credit. • Reviewed Federal and State income tax returns for various clients.• Conducted various audit procedures such as receivables and payable confirmation, materiality determination inquiries and analytical procedures to determine errors for reconciliation purposes and to ensure accuracy.• Set up processed and underwrote new loan origination.• Ordered, title, appraisal, insurance for each loan. Reviewed appraisals for loans secured by real estate to ensure the collateral meets the banks standard.• Completed verification of employment.• Analyzed loan application (1003) for accuracy and to identify any risk issues and/or potential misrepresentation.