Experience

Optimum First Mortgage

• United States
• Financial Services
• 1 - 100 Employee

• Lock Desk. Pre Qualifing Underwriter

  • May 2019 - Present

  Basic initial underwrite of credit, income and property for qualification. Verify pricing that best fits the customers qualifications. Get best pricing at the time of lock for maxim profit. Prepare Loan Estimate and Initial Disclosures and send to Borrower within the TRID timeline. Basic initial underwrite of credit, income and property for qualification. Verify pricing that best fits the customers qualifications. Get best pricing at the time of lock for maxim profit. Prepare Loan Estimate and Initial Disclosures and send to Borrower within the TRID timeline.



Amerihome Mortgage

• Banking
• 1 - 100 Employee

• Doc Drawer, Funding, Closing Disclosures and Post Disclosures

  • Jan 2018 - Jan 2019

  Review Title Report, Appraisals, Homeowners Insurance, UCC, Flood and Credit report. Draw Loan Documents in accordance with the Loan Program and following RESPA and TRID guidelines. Work with Loan Officers to confirm all documents obtained satisfy approval conditions. Scan and review signed Loan Documents for accuracy and completion prior to Funding. Balance Closing Disclosure with Closing Agents Settlement Statement, set up wire, verify wire instruction and Funding Figures with Closing Agent and wire funds. Show less



Kondaur Capital Corporation

• United States
• Financial Services
• 1 - 100 Employee

• Funder, Loan Document Preparer & Closing Disclosures

  • Aug 2015 - Mar 2017

  Prepare Closing Disclosure ensuring the accuracy and delivery in a timely manner. Prepared loan documents after reviewing data in Encompass for accuracy. Confirm all conditions are satisfied and communicate the status to processors, originators, and Collaborated with the title or escrow regarding closings. Analyze the credit package to ensure the loan is compliant with regulations and investor requirements. Performed other duties as needed to help funding and shipping departments, such as created collateral packages and notarized Corporate Assignments if needed. Show less



APPS

• India
• IT Services and IT Consulting

• Underwriter- Merchant Servicer

  • 2013 - 2014

  Review credit and determine risk of offering credit authorization to Principal Management for merchants credit cards. Review credit and determine risk of offering credit authorization to Principal Management for merchants credit cards.



Carrington Mortgage Services

• United States
• Financial Services
• 1 - 100 Employee

• Underwriter

  • Dec 2012 - 2013

  Home retention; analysis income, title, FHA Documents. Quality Assurance. Make decision if repayment modification can be approved. Manage daily pipeline. Home retention; analysis income, title, FHA Documents. Quality Assurance. Make decision if repayment modification can be approved. Manage daily pipeline.



EMC Mortgage

• Financial Services
• 1 - 100 Employee

• Universal Agent

  • Apr 2007 - Sep 2009

  Managed high call volume of incoming and outgoing customer calls at busy call center. Incoming calls, Answering borrowers questions about escrow amortization, rate index and more. Outgoing collection calls. Managed high call volume of incoming and outgoing customer calls at busy call center. Incoming calls, Answering borrowers questions about escrow amortization, rate index and more. Outgoing collection calls.



Aames Home Loan

• Financial Services
• 1 - 100 Employee

• Senior Funder Team Lead

  • Apr 2002 - Aug 2006

  Bought out by Accredited Home Lenders Funded mortgage loans, audit mortgage files and signed doc's. verified funding figures, sent wires. Trained new employees, traveling trainer, opened new funding offices in Louisiana, Florida and Texas. Bought out by Accredited Home Lenders Funded mortgage loans, audit mortgage files and signed doc's. verified funding figures, sent wires. Trained new employees, traveling trainer, opened new funding offices in Louisiana, Florida and Texas.



Mortgage Capital

• Real Estate
• 1 - 100 Employee

• Underwriter, Quality Control

  • Aug 2000 - Mar 2002

  Underwrote and Audited mortgage loans, fraud specialist. Underwrote and Audited mortgage loans, fraud specialist.



Linear Capital

• China
• Venture Capital and Private Equity Principals
• 1 - 100 Employee

• Processor, Underwriting Asst., Broker Coordinator

  • Aug 1999 - Aug 2000

  Signed off incoming conditions for loan files. Draw loan documents and sent to brokers, escrows or I'd go out to borrowers and get documents signed. Signed off incoming conditions for loan files. Draw loan documents and sent to brokers, escrows or I'd go out to borrowers and get documents signed.



Clearview Capital Corp.

• Funding and Document Manager

  • Jun 1995 - Mar 1999

  In charge of funding and loan document departments. Funded Title1 and correspondent loans. Audit and review of loan files. Set up pools and shipped to investors. Name changed to Argent Mortgage in late 90s

• Funding and Document Manager

  • Jun 1995 - Mar 1999

  In charge of funding and loan document departments. Funded Title1 and correspondent loans. Audit and review of loan files. Set up pools and shipped to investors. Name changed to Argent Mortgage in late 90s



Western Financial Bank

• Banking
• 1 - 100 Employee

• Senior Loan Shipper

  • Aug 1991 - Jun 1994

  Got funded loans ready to ship to investors, such as FNMA, FHLMC, GNMA, GMAC, Saxon. Endorsed original notes, prepared corp. assn. copied required documents. Assigned loans to pools. Got funded loans ready to ship to investors, such as FNMA, FHLMC, GNMA, GMAC, Saxon. Endorsed original notes, prepared corp. assn. copied required documents. Assigned loans to pools.