FHA/VA/Bond Mortgage Underwriter 2 million sign-off +expanded exception authority,Obtained VA SARS and FHA DE Chums.Highly motivated and business-minded financial services professional with 16 years of combined experience in credit analysis, underwriting and processing. Create innovative problem solving strategies and proactively manage multiple priorities while maintaining workload quality. Encourage company profits by decisively formulating sound credit judgments while mitigating risk. Respected and promoted by management for ability to quickly master new and difficult responsibilities and adapt to changing environments. Recognized for rapid and accurate analysis of loan documentation, federal tax returns, income statements, credit bureau reports, appraisals and mortgage and bankruptcy verifications. Licenses once held: NASD Series 6, 7 and 63Specialties: * Mortgage/Consumer Credit Underwriting * Collateral evaluation* Quality Control* LP/DU as well as Manual Underwriting* Personal/Business Tax Returns* Risk Assessment* Strong negotiation skills* Proven analytical and decision making skills* Thorough knowledge of MI policies* Excellent written and verbal communication skills* Strong problem solving, interpersonal and customer service skills* Expert in FNMA, FHLMC, VA, FHA, RI Housing, CT Housing and MA Housing Partnership mortgage underwriting guidelines