Experience

Consolidated Analytics

• United States
• Financial Services
• 200 - 300 Employee

• Due Diligence Underwriter

  • Mar 2021 - Jul 2022

  remote • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the… Show more • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the collateral securing the mortgage is supported. Evaluate for reasonable comps, ownership seasoning and potential flipping. • Verify originator’s adherence to lender, client and /or investor guidelines, FNMA and FHLMC guidelines and/or AUS. • Review Loan Estimates and Closing Disclosures for compliance with TRID/QM/ATR. • Perform fraud analysis when requested by client; identify red flags for possible inconsistencies or misrepresentations. • Identify compensating factors when exceptions to the guidelines exist. • Experienced with conforming and non-conforming agency loans; Jumbo loans; Conventional, FHA and VA; Prime and Subprime products; HELOC.

• unemployed- laid off

  • Mar 2021 - Jul 2022



SitusAMC

• United States
• Real Estate
• 700 & Above Employee

• Due Diligence Underwriter

  • Nov 2019 - Mar 2021

  Remote • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the… Show more • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the collateral securing the mortgage is supported. Evaluate for reasonable comps, ownership seasoning and potential flipping. • Verify originator’s adherence to lender, client and /or investor guidelines, FNMA and FHLMC guidelines and/or AUS. • Review Loan Estimates and Closing Disclosures for compliance with TRID/QM/ATR. • Perform fraud analysis when requested by client; identify red flags for possible inconsistencies or misrepresentations. • Identify compensating factors when exceptions to the guidelines exist. • Experienced with conforming and non-conforming agency loans; Jumbo loans; Conventional, FHA and VA; Prime and Subprime products; HELOC. Show less



The Atrius Group

• Forensic Underwriter/Repurchase claims

  • Nov 2011 - Mar 2018

  Formulate and prepare rebuttals to claims of fraud and underwriting negligence on multiple repurchase lawsuits involving mortgage insurers and Wall Street investors.



American Mortgage Consultants, Inc.

• United States
• Financial Services
• 100 - 200 Employee

• Due Diligence Underwriter

  • Jun 2014 - Apr 2016

  • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the… Show more • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the collateral securing the mortgage is supported. Evaluate for reasonable comps, ownership seasoning and potential flipping. • Verify originator’s adherence to lender, client and /or investor guidelines, FNMA and FHLMC guidelines and/or AUS. • Review Loan Estimates and Closing Disclosures for compliance with TRID/QM/ATR. • Perform fraud analysis when requested by client; identify red flags for possible inconsistencies or misrepresentations. • Identify compensating factors when exceptions to the guidelines exist. • Experienced with conforming and non-conforming agency loans; Jumbo loans; Conventional, FHA and VA; Prime and Subprime products; HELOC. Show less



Opus Capital Markets Consultants, LLC

• United States
• Financial Services
• 1 - 100 Employee

• Due Diligence Underwriter and Fraud Analyst

  • Nov 2009 - Nov 2011

  • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the… Show more • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the collateral securing the mortgage is supported. Evaluate for reasonable comps, ownership seasoning and potential flipping. • Verify originator’s adherence to lender, client and /or investor guidelines, FNMA and FHLMC guidelines and/or AUS. • Review Loan Estimates and Closing Disclosures for compliance with TRID/QM/ATR. • Perform fraud analysis when requested by client; identify red flags for possible inconsistencies or misrepresentations. • Identify compensating factors when exceptions to the guidelines exist. • Experienced with conforming and non-conforming agency loans; Jumbo loans; Conventional, FHA and VA; Prime and Subprime products; HELOC. Show less



INGLET BLAIR LLC

• Due Diligence Underwriter

  • Mar 2007 - May 2007

  • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the… Show more • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the collateral securing the mortgage is supported. Evaluate for reasonable comps, ownership seasoning and potential flipping. • Verify originator’s adherence to lender, client and /or investor guidelines, FNMA and FHLMC guidelines and/or AUS. • Review Loan Estimates and Closing Disclosures for compliance with TRID/QM/ATR. • Perform fraud analysis when requested by client; identify red flags for possible inconsistencies or misrepresentations. • Identify compensating factors when exceptions to the guidelines exist. • Experienced with conforming and non-conforming agency loans; Jumbo loans; Conventional, FHA and VA; Prime and Subprime products; HELOC. Show less



Clayton Services

• United States
• Financial Services
• 100 - 200 Employee

• Due Diligence Underwriter/QC

  • Mar 2002 - Mar 2007

  • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the… Show more • Analyze income, asset and employment documentation to support underwriting decision. • Calculate and verify income (including Sched C, 1120, 1065, divorce decree, alimony, etc), verify funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc). • Examine credit report and evaluate the borrower's mortgage history, installment and revolving credit performance, DTI and willingness to pay. • Review the appraisal to determine that the market value of the collateral securing the mortgage is supported. Evaluate for reasonable comps, ownership seasoning and potential flipping. • Verify originator’s adherence to lender, client and /or investor guidelines, FNMA and FHLMC guidelines and/or AUS. • Review Loan Estimates and Closing Disclosures for compliance with TRID/QM/ATR. • Perform fraud analysis when requested by client; identify red flags for possible inconsistencies or misrepresentations. • Identify compensating factors when exceptions to the guidelines exist. • Experienced with conforming and non-conforming agency loans; Jumbo loans; Conventional, FHA and VA; Prime and Subprime products; HELOC. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Mortgage Servicing; Customer Service Representative

  • 1995 - 1999

  Customer Service, Customer Service Research, Collections, Assumptions