AboutProfessional Summary About Providing residential mortgage loan signing services to title insurance companies. I also provide notarization for Financial/Legal and Business documents. Recently retired Mortgage Loan Officer/ Mortgage loan underwriter of 24 years. I diligently follow the Certified Signing Specialist Code of Conduct. I am personally knowledgeable with closing documents as well as the new TRID and CPBD guidelines. I also am Certified for Remote signings. NNA Member, Certified, Bonded, Insured. Flexible schedule that includes days, evenings and weekends. Refinance, HELOC, Purchase/sale, Settlements, VA/FHA loans, USDA. Deed signings and Loan modifications. Accepting RON (Remote Online Notary) docs. Servicing Nationwide and in some cases Global

 Over 20 years of Conventional Mortgage Underwriting/Forensic review Loan Underwriting/Servicing Experience: AML/BSA Compliance Analyst $750K Previous Signing Authority, Experience with loans $1,000,000+ FHA Direct Endorsement Course Completed – Pending lender backing for DE Certification Reviewed Reverse Mortgage Documents HMDA and calculated loan GFE, RESPA, HUD-1 and TIL  Wholesale, Retail and Correspondent Loans Repurchase and Put-back reviews Investigated, researched, analyzed and evaluated due diligence on client relationships to ensure adherence to anti-money laundering policies and procedures.

• Used Infinity’s internet-based software application development framework to provide audit, data capture, and reporting activities for their clients in the mortgage lending industry. These areas include origination loan approval, quality control, and loan purchase due diligence, loan sale preparation, repurchase reviews and litigation support for residential, commercial and other loan types, in the United States and abroad. • Servicing and Payment History reviews were included to provide loss mitigation resolution recommendations based on a borrowers willingness or ability to pay projecting a future loan performance. Equipped with the above information an exit strategy that I would review to include would be the following: • Refinance, Modification, Cash Flow, Short Sale, Liquidation, Etc.

• Approved or denied mortgage loans, following mortgage standards• Mortgage repurchase rebuttals.• AML/BSA Compliance Analysis• Reviewed and evaluated information on mortgage loan documents to determine if borrower, property, and loan conditions met establishment and government standards • evaluated due diligence on client relationships to ensure adherence to anti-money laundering policies and procedures• Reviewed and analyzed financial statements, credit reports, loan applications, Servicing History, HMDA, GFE, RESPA, HUD-1, and income documentation, employment records, and court documents such as bankruptcy and divorce decrees and verified information as needed to determine borrower’s ability to meet requirements of the loan• Reviewed Reverse Mortgage loans for evidence of fraud, misrepresentation, or inaccuracies• Reviewed and calculated loan GFE, RESPA, HUD-1 and TIL • Used dual monitors viewing loan files in electronic PDF file format and entering data on other screen into RMG s DCA software • Analyzed property appraisals to determine the value of the subject property collateral• Completed administrative appraisal checklist, and ordered review appraisal when required

Reviewed and analyzed Guidelines, credit reports, loan applications, income documentation, employment records, for repurchase rebuttals.Reviewed and calculated loan GFE, RESPA, HUD-1 and TIL

• Handled mortgage review and underwriting for purchase and REFI’s of Wholesale, Resale • AML/BSA Compliance Analysis• evaluated due diligence on client relationships to ensure adherence to anti-money laundering policies and procedures• and Correspondent Reviewed Servicing History and calculated GFE, RESPA, HUD-1 and TIL • Maintain a weekly pipeline of 20-30 files completed

• Approved or denied mortgage loans, following mortgage standards• Reviewed and analyzed credit reports, loan applications, income documentation, employment records HMDA, and court documents such as bankruptcy and divorce decrees and verified information as needed to determine borrower’s ability to meet requirements of the loan• Reviewed and calculated loan GFE, RESPA, HUD-1 and TIL • Calculated MI premium utilizing mortgage insurance co. guidelines and generated mortgage insurance certificate for the loan• Underwrote files using both manual and AU procedures• Input loan file into Desktop Underwriter software (DU) and interpreted Findings Report (Accept, Refer, Refer with Caution, Expanded Approval)• Input loan file into Loan Prospector (LP) to receive LP Feedback Certificate (Accept, Caution)• Applied the findings and Feedback interpretations to the loan files

• Reviewed HARP agency FNMA and FHLMC and non-agency loans, for their compliance or discrepancies with guidelines and the effect it would have on the salability of the loans• Reviewed Manual decisional AU agency and non-agency High Balance loans that have been input into AU systems such as Zippy, DU & LP• Noted the reason for the loan being receiving a refer status from Zippy to overflow to DU or LP• Reviewed loans receiving a triple refer from Zippy, DU and LP thereby resulting in manual decision by the underwriter• Commented on the methodology of the underwriter, as to whether there was a underwriter error and the effect it would have on the salability of the loan• Handled extensive reporting via master Excel spreadsheet• Performed Loan Quality Review on loans for underwriters that where testing for their Lending Authority, reviewed each loan for the appropriate collateral supported by the appraisal• Looked for any Red Flags and if they were addressed by the underwritero Checked for whether the income was documented and calculated correctlyo Reviewed to ensure the asset verification was performed according to credit guidelines/ product guideso Reviewed Servicing History and calculated loan GFE, RESPA, HUD-1 and TIL o o Checked to make sure all applicable debts were includedo Reviewed for underwriter documenting their though process and receiving proper upper management sign offs along with the quality of the underwriters final decisiono Graded all loans and passed or failed loan accordingly

• Approved or denied mortgage loans, following mortgage standards for FHA/VA Conventional, conforming/non-conforming A, A- B and subprime loans• Reviewed Servicing history, analyzed credit reports, loan applications, income documentation, employment records, and court documents such as bankruptcy and divorce decrees and verified information as needed to determine borrower’s ability to meet requirements of the loan• Performed Forensic loan audits to determine if mortgage transaction was closed in accordance the laws and regulations set forth under RESPA, TILA and HOEPA (Section 32)• Reviewed loans for evidence of fraud, misrepresentation, or inaccuracies• evaluated due diligence on client relationships to ensure adherence to anti-money laundering policies and procedures• Analyzed property appraisals to determine the value of the subject property collateral• Completed administrative appraisal checklist, and ordered review appraisal and/or AVMs when required• Reviewed mortgage note, title and public records to determine vesting

• Managed branch office, marketed, underwrote and submitted loans to various lenders using proprietary automated underwriting systems.• Used Calyx Point software for on-boarding loan applications, processing and underwriting loans• Supervised trained QC teams and directed underwriters, processors and loan originators.• Reviewed and analyzed credit reports, loan applications, income documentation, employment records, and court documents such as bankruptcy and divorce decrees and verified information as needed to determine borrower’s ability to meet requirements of the loan. • Reviewed and calculated loan GFE, RESPA, HUD-1 and TIL