Eva Olivera Email and Phone Number

• Applies all internal underwriting guidelines and investor requirements to ensure loan saleability of FNMA AND FHMLC residential mortgage loans• Appraisal Reviews to identify any possible collateral risks• Cash Flow Analysis determination from Federal Tax Forms including Schedules C, 1120, 1120S, 1065, W2 and Schedule E income where applicable• Analyze personal credit reports for any risks or potential supporting factors where needed• Analyze income documentation, title reports, fraud reports and credit reports to identify any outstanding judgments, liens, alimony/child support or other non-reported debt obligations• Legal Document Review including, but not limited to, property title reports, divorce decrees, support orders, HOA CC&R’s and trust agreements• Communicates clear and concise conditions to loan processors as well as provides any assistance to expedite final approval of the loan• Meeting company goals for productivity, quality and turnaround timelines• Offering appropriate counter offers when a restructure is needed for qualification• Remaining current on all policy, procedure and guideline updates

• Provide training and assistance to Underwriters I and Underwriters II• Assist with performance improvement and developmental opportunities for underwriters with less than optimal production• Perform Second Signs and Second Level Reviews• Effectively resolve escalations • Assist with team pipeline management to ensure turn-time goals are met• Quality Control rebuttals• Review of loans recommended for decline to find alternative solutions• Appraisal Reviews for questionable items reported• Special projects as assigned

• Applies all internal underwriting guidelines and investor requirements to ensure loan saleability of FNMA AND FHMLC residential mortgage loans• Appraisal Reviews to identify any possible collateral risks• Cash Flow Analysis determination from Federal Tax Forms including Schedules C, 1120, 1120S, 1065, W2 and Schedule E income where applicable• Analyze personal credit reports for any risks or potential supporting factors where needed• Analyze income documentation, title reports, fraud reports and credit reports to identify any outstanding judgments, liens, alimony/child support or other non-reported debt obligations• Legal Document Review including, but not limited to, property title reports, divorce decrees, support orders, HOA CC&R’s and trust agreements• Communicates clear and concise conditions to loan processors as well as provides any assistance to expedite final approval of the loan• Meeting company goals for productivity, quality and turnaround timelines• Offering appropriate counter offers when a restructure is needed for qualification• Remaining current on all policy, procedure and guideline updates

• Originate residential mortgage loans through incoming leads and outbound dialing • Maintain a high conversion ratio of leads to closed loans• Assisting processors in obtaining stipulations from borrowers to expedite loan approvals• Restructure loans when adverse issues arise in a manner that will still benefit the customer • Attentive listening to determine the best mortgage product for their needs

• Originate residential mortgage loans through incoming leads and outbound dialing • Maintain a high conversion ratio of leads to closed loans• Assisting processors in obtaining stipulations from borrowers to expedite loan approvals• Restructure loans when adverse issues arise in a manner that will still benefit the customer • Attentive listening to determine the best mortgage product for their needs