Experience

Keller Williams Platinum Realty

• United States
• Real Estate
• 1 - 100 Employee

• Real Estate Broker

  • Jun 2023 - Present



Ameris Bank

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Underwriter

  • Jun 2016 - Mar 2022

  Underwrote conventional, government and DPA loan according to investors' guidelines

• Senior Mortgage Underwriter

  • Jun 2016 - Mar 2022



George Mason Mortgage, LLC

• United States
• Financial Services
• 200 - 300 Employee

• Mortgage Underwriter

  • Jul 2015 - Apr 2016

  Underwrote conventional, government and DPA loans per investors' guidelines Underwrote conventional, government and DPA loans per investors' guidelines



SunTrust

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Underwriter

  • May 2014 - Jul 2015

  Underwrote conventional, government and DPA loans per investors' guidelines Underwrote conventional, government and DPA loans per investors' guidelines



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Underwriter 3

  • 2012 - 2014



SunTrust

• United States
• Financial Services
• 700 & Above Employee

• Underwriter

  • 2010 - 2012



Contract Underwriting (Freddie

• Quality Control Underwriter

  • Jun 2009 - Nov 2009

  Review closed loans for assessment to assist in the decision on whether or not to consider loans for either contract exceptions or acceptability or to pursue a repurchase from the lender that holds the reps and warrants. Review closed loans for assessment to assist in the decision on whether or not to consider loans for either contract exceptions or acceptability or to pursue a repurchase from the lender that holds the reps and warrants.



Morgan Properties

• United States
• Real Estate
• 700 & Above Employee

• Leasing Specialist

  • Oct 2008 - May 2009

  Interact directly with prospective and current residents to achieve maximum occupancy - Generates and handles traffic, leasing apartments, qualifying prospects, preparing lease documentation, and completing move-in paperwork and procedures - Assists residents throughout their residency - Reviews unit availability on a daily basis - Leads guests to vacant and/or model apartments and discusses the features and benefits that meet the needs of the quests. Interact directly with prospective and current residents to achieve maximum occupancy - Generates and handles traffic, leasing apartments, qualifying prospects, preparing lease documentation, and completing move-in paperwork and procedures - Assists residents throughout their residency - Reviews unit availability on a daily basis - Leads guests to vacant and/or model apartments and discusses the features and benefits that meet the needs of the quests.



Madison Funding Inc

• Underwriter/Executive Assistant

  • Jun 2007 - Jun 2008

  Underwriter and process conventional, government and commercial loans per investor's guidelines. Duties also include reviewing financial statements, pay stubs, credit and appraisal reports to determine which program borrower is eligible for. Submit bi-monthly reports for commercial loans and gather documentation to finalize the closing of commercial loans. Underwriter and process conventional, government and commercial loans per investor's guidelines. Duties also include reviewing financial statements, pay stubs, credit and appraisal reports to determine which program borrower is eligible for. Submit bi-monthly reports for commercial loans and gather documentation to finalize the closing of commercial loans.



SYLVIA T. WHEELER

• Underwriter

  • Jan 2004 - Jun 2007

  Underwrote conventional loan per investors' guidelines Underwrote conventional loan per investors' guidelines



SSM

• Hospitals and Health Care
• 700 & Above Employee

• Underwriter

  • Aug 2006 - Feb 2007

  Responsible for reviewing, analyzing, approving and underwriting mortgage loan applications within the company and industry's guidelines. Functions may include reviewing financial statements, credit reports, and appraisal reports to determine credit worthiness; also input loans into automated system for Countrywide when applicable. Company closed and filed bankruptcy Responsible for reviewing, analyzing, approving and underwriting mortgage loan applications within the company and industry's guidelines. Functions may include reviewing financial statements, credit reports, and appraisal reports to determine credit worthiness; also input loans into automated system for Countrywide when applicable. Company closed and filed bankruptcy



PMI, United Guaranty

• 1

  • Nov 1999 - Jun 2006

  Underwriter/Due Diligence Review previously underwritten loans for sale on secondary market. Underwrite conforming, sub-prime, and non-conforming mortgage loans according to investors' guidelines, FNMA, FHLMC,FHA, and VA in both wholesale and retail division. Input loans into the system using DU, DO, and LP. Review loans for compliance purposes and sale on secondary market- Due Diligence. Contracting assignment/assigner included; NMS and MDI. Underwriter/Due Diligence Review previously underwritten loans for sale on secondary market. Underwrite conforming, sub-prime, and non-conforming mortgage loans according to investors' guidelines, FNMA, FHLMC,FHA, and VA in both wholesale and retail division. Input loans into the system using DU, DO, and LP. Review loans for compliance purposes and sale on secondary market- Due Diligence. Contracting assignment/assigner included; NMS and MDI.



HomeVest Mortgage

• Events Services

• Correspondent Underwriter/Processor

  • Apr 1999 - Sep 1999

  Underwrote and reviewed all files to specific investors' standards. Guidelines compliance may be either to FNMA, FHLMC, or Investor specifications. Reviewed loans for compensating factors such as low LTV, High Fico Scores, or Significant Borrower Liquidity. Determined whether or not a loan was of investment quality. Underwrote and reviewed all files to specific investors' standards. Guidelines compliance may be either to FNMA, FHLMC, or Investor specifications. Reviewed loans for compensating factors such as low LTV, High Fico Scores, or Significant Borrower Liquidity. Determined whether or not a loan was of investment quality.



Contract Underwriting

• Underwriter

  • Mar 1997 - Apr 1999

  Underwrote conforming and non-conforming loans, also input loans into DU, DO, and LP. Also reviewed files for any additional items for approval or declination. Reviewed tax returns, bank statements, pay stubs, appraisals, etc. Contractors have included UGI, GE, RPI, and FJ Enterprise and assignments have included G.E. Mortgage, PNC Mortgage, Eastern Mortgage, and Triad. Assignment duties included re-underwriting of loans for due- diligence purposes. Underwrote conforming and non-conforming loans, also input loans into DU, DO, and LP. Also reviewed files for any additional items for approval or declination. Reviewed tax returns, bank statements, pay stubs, appraisals, etc. Contractors have included UGI, GE, RPI, and FJ Enterprise and assignments have included G.E. Mortgage, PNC Mortgage, Eastern Mortgage, and Triad. Assignment duties included re-underwriting of loans for due- diligence purposes.