Eric Hellar Email & Phone Number

Emeryville, California, United States

Reviewed and analyzed income, assets, credit reports, appraisals, and supporting loan documentation. Calculated variables such as DTI, LTV and other components to come to underwriting decision. Re-underwrote closed insured loans and rated components of the underwriting and credit decision based on company requirements. Identified potential risk factors and conducted appropriate research to determine eligibility for loans. Conducted reverifications of income, assets, and credit. Communicated audit findings to internal QC team through weekly meetings. Documented audit findings in company system of record (Cogent) to conduct audits and track results.

Emeryville, California, United States

Retrieved and analyzed detailed findings to be reported on a quarterly basis (Non-Delegated, Delegated, and Contract Underwriting) to high level executives based on the results from the QC files audited by the QC team on a monthly basis. Assisted QC Underwriters on difficult files to come to a conclusion. Audited loan files when deadlines needed to be met. Requested reverifications on audited files to confirm the loan closed as represented by the lenders

Emeryville, California

Primarily a Chase Subject Matter Expert reviewing underwritten files submitted by Chase. Confirmed accuracy of the information and documentation submitted to National MI with a thoroughreview of the DU or LP approval, loan application, credit report, income (W-2’s, paystubs and tax returns), assets,purchase contract and appraisal in order to make sure the loan meets GSE guidelines. The majority of theloans are FNMA or Freddie Mac conforming loans. While completing my review an Excel Worksheet iscompleted with notes and calculations for future reference and uploaded into Axis-O. Upon review, a phonecall to the contact is made and an MI Cert for coverage is issued, pend letter for additional documentation, or a decline letter is issued. In addition to Chase, loan files are reviewed from all other approved non-delegated lenders

4304 Redwood Hwy Ste. 100, San Rafael Ca 94903

Conventional underwriter for both conforming and high-balance loans utilizing Desktop Underwriter and Loan Prospector. Evaluated DU/LP approvals and investor guidelines/overlays for loans sold on the secondary market to correspondent investors. Prefunding Quality Control auditing loans to ensure loans met guidelines and were eligible to be sold to correspondent investors. Thorough analysis of credit, income, assets, appraisal, title reports, disclosures for loans underwritten by other CMA underwriters.

Walnut Creek

Through the quality control process, review, and investigate foreclosed loans provided by the current servicer/lender who have filed a claim for mortgage insurance coverage. Review and investigate loans to make sure they comply with lenders underwriting guidelines and conditions. Compose rescission letters on loans that did not comply with guidelines at the time of closing. Work with credit department and legal department on rescinding loans.

Residential mortgage loan underwriter. Evaluated risk on conventional loans both conforming and jumbo loan amounts for various investors. The loans were then sold on the secondary market by First California Mortgage.

In-house underwriter for RPM's Greenbrae, CA branch.

San Rafael, Ca

Sr. Compliance Underwriter for Residential Lender.

San Rafael, Ca

Compliance Underwriting for Residential Mortgages.

Mill Valley, Ca

Worked as an in-house underwriter for Mill Valley 1st Security Mortgage Branch.

Ba

Activities and Societies: 4 years of college lacrosse and 2 year starter.

Graduate, General Studies