Andrea Estrada Email & Phone Number

Manage the Asset Underwriting team that is responsible for the review and approval of all originated loans. Review includes all transaction related documents (Title, Contracts, Appraisal, etc), loan structure (pricing, metrics, covenants), and QC of all data inputs related to the loan. Conduct ongoing training to keep the team up to date with changing guidelines, risk tolerance, and new products. Responsible for the final approval of 95% of all loans originated.

Woodland Hills

• Manually re-underwrite WMC loans (conforming, jumbo, Alt-A and subprime loan programs, Full/Limited/Stated Doc) submitted by various investors for Repurchase. • Conduct a comprehensive review of each claim, collect and audit supporting evidence, research each claim for compliance with Underwriting Guideline and Regulations at the time of funding. Determine validity and whether or not the claim materially or adversely affected the value of the loan. • Utilize Underwriting experience to determine the materiality of valid repurchase claims. Provide a written summary to support the decision to originate the mortgage loan, including compensating factors within the loan file, public information, and/or additional 3rd party documentation when possible. • Compose a concise, complete written response on each issue detailing my review and providing evidence to support my reasons for rebuttal. • Held a personal pipeline of over 2,100 loans, prioritized in batches with strict deadlines and cure periods.

Woodland Hills, Ca

• Manually Underwrite Mortgage Loan to verify that the file is complete and meets the selected product and program requirements, including but not limited to type and amount of mortgage, borrower employment, income, assets, liabilities, credit history, sales contract, Title, and collateral (value, property type, acreage, etc…)• Review income documentation including pay stubs, W2’s, 1099’s, Personal and Corporate tax returns. Experience analyzing tax returns to determine cash flow using the schedule analysis method. Comfortable calculating income/loss from multiple income sources, large number of real estate properties owned, and other complex loans.• Issue Underwriting dispositions with required conditions, clear conditions, prepare counter offers and/or declination notices all in a timely manner to exceed the expectation of the borrower, loan originator and operations staff.• Utilize Automated Underwriting Systems such as CLUES and DU/LP as dictated by product and investor. • Maintain knowledge of the changing market values and review appraisals to assure property values are not inflated. Utilize available public information to prevent possible fraud and to support reasonability of stated income when necessary.

Agoura Hills, Ca

• • Hired as a Loan Processor and promoted to Underwriter within 8 months to manually Underwrite new and refinanced 2nd mortgages (fixed and HELOC’s) to be subordinated to an existing 1st lien. • Evaluate the Borrowers’ income (full, limited, assets), employment, credit, and assets. Analyze the real estate appraisal report to ensure marketability and value of property. Review the existing 1st mortgage to ensure the new or refinanced 2nd lien met guideline requirements with the revised DTI, CLTV, and reserves.• Provided direction for the loan processor to efficiently move loans through the Processing/Underwriting process and manage our pipeline. Consistently acknowledged as one of the top producers in a department with 48 + Underwriters. • Communicated directly with the Borrower regarding approval, denials or counteroffers.

Chatsworth, Ca

Operations Specialist II, 2003-2004 • Underwrite Auto Loan requests and verify automated system generated pre-approvals, assist in processing Mortgage Loans when requested. • Primary IRA Representative responsible for assisting member services employees with questions concerning IRA Forms, Regulations, and Types. Audit all IRA transactions completed by other employees for accuracy and proper tax reporting codes to the IRS • Primary Fraud Specialist: review daily reports for evidence of possible fraudulent activity, follow up on overdrawn account and report to chex-systems, handle claims involving unauthorized use of ATM/debit cards that result in filing a police report. Operations Specialist I, 2002-2003• Perform CO-OP, FSCC, Consumer Loan, Mortgage Loan adjustments, and balance ATM deposit transactions against Ledger.• Assist Call Center Representatives with escalated issues regarding member complaints and account problems.• Research fraudulent activity claims (checks, ATM/Debit Cards) made by members to determine legitimacy of the claim to honor credit. Call Center Representative, 2000-2002• Assist members over the phone with questions/concerns regarding deposit and loan accounts, and consult with members to determine the best products to meet their needs and goals. • Resolves product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution

El Monte, Ca

• Set-up and maintain communications network in the field at Battalion Level, Civilian and Military Communication Equipment, train other Soldiers in Operating and Basic Troubleshooting procedures, provide assistance in any other area of field operation when necessary

Ba, Criminology

Associate’S Degree, Psychology

Certification 31U, Communications