David Vartanian Email & Phone Number

Irvine, Ca, Us

Irvine, California

• Reviewed FHA (Total Scorecard and Manual), Conventional (FNMA/FHLMC), VA loans (Automated and Manual), and Non-QM Jumbo loans. • Proficient in all product types: streamlines, cashouts, and purchases. • Consistently a top performer• Promoted from Underwriter III to Team Lead in 2021, and to Underwriter IV in 2023. • Completed second reviews and training for other underwriters• Reviewed escalation and exception requests from the Sales and Processing departments• Provided direction to the Appraisal department regarding appraisal discrepancies and underwriting guidelines. • Reviewed files using Encompass

Orange, California

• Reviewed Conventional loans according to agency guidelines• Communicated to Processors and Sales Agents recommendations on the restructuring of loans for approval, and provided clarification on agency guidelines so the proper documentation could be obtained• Achieved Employee of the Month/Platinum Underwriter: 9/2016, 6/2017, and 8/2017• Reviewed files using Empower and Blitzdocs

Irvine, California

•Maintained a pipeline of 90+ loans, and consistently achieved top 3 in number of fundings per month within the underwriting department •Maintained a high quality in my files, as evidenced by monthly QC reports•Reviewed Conventional loans and VA IRRRLs according to standard agency guidelines, HARP guidelines, and multiple investor overlays •Reviewed and conditioned files using the LOS- Encompass 360

Irvine, California

•Reviewed Conventional refinance loans according to agency guidelines and in-house overlays•Review files using a proprietary LOS

Santa Ana, Ca

•Achieved top performer within my first month of underwriting files, completing twice the amount of file touches than the average Underwriter in the department•Assisted peers in quality controlling their files and training new teammates •Pulled borrower information from LDP/GSA, CAIVRS, and Neighborhood Watch, and ordered tax returns and title •Requested Customer Service Managers to obtain missing documentation from borrowers

Irvine, Ca

•Reviewed Conventional refinance loans according to agency guidelines and in-house overlays•Review files using a proprietary LOS

• Maintained order/discipline in the classroom• Executed course curriculum planned by resident teacher • Improvised course work when necessary