Experience

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  City First Mortgage Services, LLC

  • United States
  • Financial Services
  • 100 - 200 Employee

  • Mortgage Underwriter

    • Nov 2021 - Mar 2022

    Duties include:• Risk assessment in the review of collateral, income, and credit documentation for conventional, conforming mortgage loans.• Maintain meticulous attention to detail in evaluating the strength of borrower’s repayment capacity and obtaining documentation required by both Agency and Correspondent lenders to ensure salability.• Demonstrate follow-through with branch and management throughout the underwriting process.• Continue to build Underwriting knowledge utilizing all resources available, i.e., team members, training, guidelines, etc.

  • Junior Underwriter

    • Sep 2020 - Oct 2021

    Provide Support for Underwriting Team. Duties include:• Support underwriters in clearing non-income and non-collateral related conditions for Conventional/FHA/VA loan programs.• Review credit reports, title commitments, bank statements and most other supporting documentation to determine satisfactory fulfillment of investor requirements - clear file to close completing final signoff.• Timely communication with branch Sales/Operations staff in the collection of additional documentation when required.• Gained extensive experience in evaluating the financial strength of borrowers to determine risk and repayment capacity.• Build relationships between the sales and underwriting teams.

• 

  Fairway Independent Mortgage Corporation

  • United States
  • Financial Services
  • 500 - 600 Employee

  • Junior Underwriter

    • Jul 2018 - Jul 2020

    Provide Underwriting Support for team of 15+ Underwriters reporting to Regional Underwriting Manager. Duties include:• Support underwriters in clearing all conditions efficiently to current guidelines for Conventional loan programs.• Review income documents, credit reports, appraisals, title commitments, bank statements and all other supporting documentation to fulfill investor requirements; clear file to close completing final signoff as able.• Communicate with processors, originators, and other branch Sales/Operations staff if conditions required further documentation or were not met. • Build relationships between the sales and underwriting teams.

  • Sr Mortgage Loan Processor

    • Oct 2013 - Jul 2018

    Loan processing responsibility for VA, FHA, Conventional and USDA loans. Also maintain loan originator license - currently active.- Analyze, verify and provide a complete loan package, i.e., income, assets, credit, and down payment resources to underwriting for review and approval following investor guidelines.- Meticulously manage contract deadlines and communicate any issues to sales.- Stay current with company policy, procedures, processes, and directives as well as federal and state regulations.- Maintain strong relationships with all parties in the mortgage loan process - Borrowers, Loan Officers, Underwriters, Closers, Management and third-party sources.- Maintain calm in high-pressure situations.- Prefer working independently and remotely to maximize efficiency.

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  Universal American Mortgage Company (UAMC)

  • 3275 W Ina Rd, Ste 275, Tucson, AZ 85741

  • Sr. Production Assistant

    • Apr 2013 - Oct 2013
    • 3275 W Ina Rd, Ste 275, Tucson, AZ 85741

    Created and maintained 3500 member database for Sales Manager and branch staff. Marketing and lead generation via direct mail, email blasts, networking, community involvement through local chamber memberships and special events coordination. Maintained branch social media account and branch website. Monitored sales staff corporate initiatives, assisted in ensuring objectives were met and reported progress to Corporate management.

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  Gateway Funding Diversified Mortgage

  • 6975 N Oracle Rd, Tucson, AZ 85704

  • Mortgage Origination Assistant/Office Manager

    • Apr 2012 - Mar 2013
    • 6975 N Oracle Rd, Tucson, AZ 85704

    As a newly licensed Mortgage Loan Originator, worked closely with Branch Manager in originating new loans. Worked with customer in completing the loan application, collected documentation, disclosed to customer, submitted loan to automated underwriting and then to processing. Once loan was underwritten, worked closely with customer to collected any additional required documentation. In addition, was responsible for maintaining database, marketing to past clients, creating marketing pieces, attending Open Houses on weekends to build realtor relationships, and managed the office and office personnel.

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  PNC Mortgage / Adecco

  • 1846 E. Innovation Park Dr., Oro Valley, AZ 85755

  • Mortgage Originations Assistant

    • Jan 2010 - Oct 2011
    • 1846 E. Innovation Park Dr., Oro Valley, AZ 85755

    Worked closely with Market Manager to train and develop new sales staff to meet firm SLA's in all areas of loan origination. Performed complete audits of all loan files to ensure complete applications were taken, supporting documentation collected and disclosure responsibilities met. Responsible for new-hire processing, marketing and lead generation, weekly/monthly branch reporting, invoice processing, staff meeting coordination and recording, and distribution of sales meeting minutes.

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  PNC Mortgage / Nationl City Mortgage

  • 1875 S River Road, Ste 275, Tucson AZ 85718

  • Branch Operations Manager/AVP

    • May 1998 - Oct 2009
    • 1875 S River Road, Ste 275, Tucson AZ 85718

    Branch Operations Mgr/AVP; April 2008 - October 2009Construction Loan Underwriter; December 2006 - April 2008Regional Processing Manager; 2002 - December 2006Regional Marketing Coordinator; 2001 - 2002Sr Processor; 1999 - 2001Loan Processor / Sales Asst; 05/98 - 1999