Experience

Constructive Capital

• United States
• Financial Services
• 1 - 100 Employee

• Senior Mortgage Underwriter

  • Sep 2020 - Present

  United States

• Senior Mortgage Underwriter

  • Sep 2020 - Present

  United States

• Senior Mortgage Underwriter

  • Sep 2020 - Present

  United States

• Senior Mortgage Underwriter

  • Sep 2020 - Present

  United States



SLP Consulting

• Owner

  • Nov 2017 - Jun 2022

  Litchfield Park, AZ • Provide service to customers and prospects seeking residential mortgage loans • Provide superior customer service • Communicate with customers about proper documents and information needed to obtain mortgage loans. • Keep abreast of trends, regulations, and guidelines.



Radian

• United States
• Financial Services
• 700 & Above Employee

• Remote Senior Mortgage Underwriter

  • Feb 2017 - Aug 2017

  Lombard, Illinois • Responsible for completing front end conventional loans underwrite for 20+ clients. • Evaluated loan documentation including loan application, incomes, bank statements, and appraisal to rendered loan decision. • Reviewed Mortgage Insurance, Investors and Agencies guidelines to ensure criteria compliance



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• MB Underwriter II

  • Feb 2015 - Jan 2017

  Lombard, Illinois • Analyzed complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review • Strong verbal and written communication skills as well as excellent teamwork with internal employees and external customers/business partners. • Analyzed knowledge of mortgage servicing process and Chase underwriting guidelines



Wells Fargo Home Mortgage

• Contract Senior Underwriter IV

  • Apr 2012 - Apr 2014

  • Underwrote Wholesale and Retail Conforming Freddie Mac/Fannie Mae, Harp loans to Lenders guidelines, both automated (DU & LP) and Manual Underwriting • Income analysis, including exposure to reviewing Self-employment, business tax returns. Advanced asset analysis and experience working with all types and experiences with layering risk and evaluation



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Relationship Manager

  • May 2011 - Dec 2011

  • Researched and resolved inquiries and problems related to individual circumstances on loans related to the HAMP program served as liaison between Chase, OOC and other Government Agencies. • Gather investor specific loan documentation requirements such as, paystubs, bank statements, credit reports, etc. • Evaluated the borrower’s current profile, to researching loan type, borrower income and asset information, and hardship request and property calculation information to see if loan… Show more • Researched and resolved inquiries and problems related to individual circumstances on loans related to the HAMP program served as liaison between Chase, OOC and other Government Agencies. • Gather investor specific loan documentation requirements such as, paystubs, bank statements, credit reports, etc. • Evaluated the borrower’s current profile, to researching loan type, borrower income and asset information, and hardship request and property calculation information to see if loan would qualify for the HAMP or Client in house modification program. • Repackaged loan agreements or delinquency arrangements to reschedule debt and negotiate payoff schedules for imminent default or delinquent. Show less



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Contract Mortgage Underwriter IV

  • Jul 2010 - Dec 2010

  Bloomington, MN • Underwrote Retail conforming, non-conforming and HAMP loans to Lender’s guidelines, both automated (DU and LP) and Manual Underwriting • Underwrote and reviewed conditions 4+ loans per day.



Clayton Group (Freddie Mac)

• Contract Senior Quality Control Underwriter

  • Jul 2009 - Jun 2010

  Chicago, Illinois • Initiated written communications to customers citing loan level violations (e.g. repurchase letters). Maintain databases. Remain current in historical guidelines as far back as seven years. • Performed in-depth forensic investigation work and research with a focus on suspected false misrepresentations. • Performed audits to determine accuracy and the borrower’s willingness to repay



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Contract Mortgage Underwriter IV

  • Jul 2007 - Jun 2009

  West Des Moines, IA • Underwrote Wholesale, Alt-A, Jumbo, Stated Income Stated Assets, conforming/non-conforming loans, and Home Equity loans. • Analyzed and validated loan documentation through automated underwriting systems Desktop (DU) and Loan Prospector (LP) and Manual Underwriting • 2nd level reviewer of collateral for level 1 and 3 Underwriter • 2nd level reviewer of credit and collateral denied loans decision by initial Underwriter.… Show more • Underwrote Wholesale, Alt-A, Jumbo, Stated Income Stated Assets, conforming/non-conforming loans, and Home Equity loans. • Analyzed and validated loan documentation through automated underwriting systems Desktop (DU) and Loan Prospector (LP) and Manual Underwriting • 2nd level reviewer of collateral for level 1 and 3 Underwriter • 2nd level reviewer of credit and collateral denied loans decision by initial Underwriter. Show less