Experience

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  Fannie Mae

  • Dallas, Texas, United States

  • Manager of Underwriting

    • Jun 1983 - Jun 2015
    • Dallas, Texas, United States

    1996 to 2015Managed a team of 27 underwriters. Working Manager Performed underwriting seminars to include basic underwriting, underwriting the self employed borrower, how to underwrite the appraisal, and how to submit condo/pud projects for approval. Over 20years trained thousands of underwriters on Fannie Mae rules and guidelines.1986 to 1996Working Supervisor Supervised a team of 10 underwriters as well as underwriting loan files.1983 to 1986Underwriter. Reviewed loans to assess risk to the company. Thorough knowledge of mortgage industry credit guidelines and policies .Complete understanding of Fannie Mae’s Desktop Underwriter.Analyzed tax returns and financial statements for self employed borrowers, partnerships, S corporations and C corporations. Thorough knowledge of appraisal evaluation, verifying employment, income, reviewing credit history assets and liability assessment, and overall risk

• 

  First Texas S&L

  • Corpus Christi/Dallas TX

  • Underwriter

    • Jul 1972 - Jun 1983
    • Corpus Christi/Dallas TX

    3 year management training program working in every department of a savings and loan. Upon completion was promoted to Underwriter/Appraiser, underwriting mortgage loan applications and completing the appraisal report. Extensive experience in credit evaluation, income analysis specifically with self employed borrowers, documenting sufficient funds to close and reserves, job stability, and reviewing the appraisal report. Assessed final risk associated with loan file and made determination to approve or deny loan request