•Determine applicant credit worthiness by assessing financial situation & possible risk of default.•Review and provide quality control feedback on loan files completed by assigned associates.•Analyze individual loan files and determine compliance with applicable lender guidelines.•Review and re-analyze income and asset documentation per guideline requirements.•Consistently meets or exceeds established minimum productivity and quality goals.•Analyze borrower‛s credit profile, collateral and capacity to repay the proposed mortgage obligation

• Prevented fraud by ensuring mortgage documents met strict and established lenderguidelines.• Reviewed and evaluated loan documents to ensure accuracy, completeness, and compliancewith company standards, federal and agency standards and guidelines, as well as anyapplicable state-specific and or local regulations, ordinances, etc.• Achieved 100% quality with no audit findings from Quality Control.• Analyzed financial documents (consumer credit reports, income documentation, consumerand business tax returns, etc.) to determine risk associated with a potential customer.• Analyzed, interpreted and underwrote complex multifamily real estate transactions incompliance with respective agency guidelines (Fannie Mae/Freddie Mac).

•Ensured compliance with underwriting policies to maintain a quality level of 98% or above per month..•Performed in-depth analysis of personal income tax and business tax returns on self- employed borrowers and multiple financed investment properties.•Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision.•Underwrote first and second mortgage loans for various lenders according to their prescribed guidelines, using DU/LP and any other automated underwriting engines.•Performed property and market level due diligence, reviewed third party reports and legal documents to ensure compliance with internal credit tolerances as well as investor requirements.

• Utilized knowledge of loan products to help restructure declined loans for subsequentapprovals with a counteroffer while maintaining compliance within investor requirements.• Evaluated financial strength of borrowers and businesses by analyzing financial statementsand credit documents.• Assessed information available and make effective risk decisions in accordance withestablished company guidelines and procedures.• Analyzed client's balance sheet, cash flow, risk tolerance and financial objectives to propose acustomized, complex credit structure that meets the client's needs and falls within the Bank'srisk parameters.

• Reviewed files upfront for initial credit decision based on program guidelines, ensured allconditions have been met prior to final approval.• Exercised critical thinking regarding credit worthiness of the individual applicant.• Demonstrated a clear understanding to credit, product and exception policies.• Effectively made credit decisions including structuring the first decision, negotiatingcounteroffers, and rehashing decisions.• Underwrote first and second mortgage loans for various lenders according to their prescribedguidelines, using DU/LP and any other automated underwriting engines.

•Managed pipeline of over 60 loans to meet strict deadlines while personally guiding clients through the underwriting process and providing recommendations to Relationship Managers.•Provided customer service to internal staff and bankers by explaining credit decisions and offering alternative options when needed to complete approvals.•Analyzed financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review.

•Worked closely with processing to answer specific loan questions, clarify specific conditions or documentation requested and to resolve problems in a timely manner.•Analyzed customer‛s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.•Reviewed all aspects of the file including income, credit and appraisal to ensure adherence to guidelines.