Alonda Wright Email & Phone Number

Houston, Texas, United States

- Recognized for capability of underwriting a minimum of 3-4 new loans per day- Review conditions in a timely manner to remain in compliance with posted turn times- Analyze all areas of the mortgage loan application, including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines- Review income documentation and calculate income per investor - Analyze assets to determine reserves and cash to close per investor - Ensure accuracy of Point, DU/LP, Loan Transmittal and 1003 at time of underwriting approval and/or updated approvals due to subsequent changes in loan terms- Evaluate appraisals and preliminary title reports to determine the property meets company and investor requirements- Utilize AVM to ensure valuation is acceptable- Evaluate fraud guard findings and condition the loan accordingly- Respond to QC findings, Audits and Investor Suspense issues as needed- Provide feedback to management on suggested policy changes and/or enhancements

- Reviewed loan application files to verify that all data was complete and met standards, including the loan type and purpose, borrower assets, liabilities, and employment- Verified and analyzed loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations- Interacted with mortgage professionals to obtain information from the borrower or to seek clarification about documents in the loan file- Informed the loan officer of discrepancies in the file and obtained direction on how to proceed - Recorded data to track the status of loans in processing and submitted loan application files to underwriter for approval- Submitted approved mortgage loan files to closing for settlement

- Organized, identified, cleared or marked received documents submitted in images- Completed UWAR Screens with licensing info and validate current E&O information- Validated property value, borrower’s identification, and income accuracy- Confirmed proper disclosure, meeting federal and state guidelines- Reviewed new files and identified outstanding issues needed to meet both the company and investor guidelines- Performed data verification including, borrower identification and market value of property- Determined if borrower had multi properties that were not disclosed on initial application, regional viability of property- Verified employment and income of borrower and ordered TALX/4506T to confirm income- Completed Tracking Screens for FHA Loans, FHA Case Number, and Caivrs- Requested Flood Certifications and notified Processor if in a Flood Zone for proper coverage

- Reviewed Residential loan applications and analyzed credit information to make a general assessment of applicant’s creditworthiness.- Performed underwriting on loans for compliance with investor and/or agency guidelines- Verified data and supporting documents regarding a customer’s income, assets and liabilities- Obtained missing information to support the customer’s loan application- Communicated with customer’s loan officers, realtors, and appraisers- Submitted loans thru processing system and reviewed appraisals - Kept accurate records of all documents and correspondence during loan processing- Ensured all conditions and documents to support the loan were in file- Complied with bank and regulatory policies and procedures

- Ensured effective collections of Mortgage, Auto, and lines of credit- Educated customers on financial alternatives and the ramifications of their actions through counseling practices- Supported members of the collections group with collection tracking and reporting

- Answered inbound calls explaining benefits, eligibility and claims, financial spending accounts- Performed appointment scheduling or connections with internal specialists for assistance- Met the performance goals established for the position in the areas of efficiency, call quality, customer satisfaction, first call resolution and attendance