Now underwriting on Avatar's Lakewood but changing soon to an in house LOS windows version; I have been underwriting mortgages for many or several years with a wide range of all A paper Products including FHA, USDA, FNMA, FHLMC, Jumbo multiple Lenders, Non-QM loans for 18 years for multiple lenders. I have great quality scores and my product time frames are the best in the business. I have been working on Encompass for the past 8 years and I rolled out this LOS for PRMI. I have worked on many LOS systems. My strongest spot is Customer Service in wholesale and retail giving immediate service. I Always answer my phone and emails in a very timely manner. I have been involved in Compliance auditing and HMDA at every Lender on my resume. I have been involved over the years curing HUD deficiency items, always clearing, and getting approval on all loans from HUD. Never had a HUD default since 2000(or ever) which is when I obtained my DE. I worked for Wells Fargo Senior managers in special QC assignments and always rated my work as proficient. I worked in Minneapolis for Wells Fargo Corporate at Campus as Top Corporate accounts underwriter for Nationwide and outside USA FOR Large Corporate accounts. I have a Federal Clearance and was a FDIC agent closing Banks during RTC.