F D Email & Phone Number

Texas, United States

• Demonstrates proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review. • Tangible years of experience in quality assurance, quality control, mortgage underwriting or similar experience, risk management, and/or regulatory compliance• Evaluated creditworthiness to render a credit decision. This includes but is not limited to review of credit reports, paystubs, W2’s, financial statements, tax returns, asset statements etc.• Successfully evaluated borrower’s credit, collateral, and capacity to repay the requested loan.• Maintained communication with management on status of loans in process, ensure all tracking is kept up to date on loan status so it clear if loans are being held up and what the reason for the hold-up is.• Accurately calculate borrower’s income and debt-to-income ratios, credit score, property valuation and various other factors.• Successfully reviewing and verifying loan applications and supporting documentation• Analyzing loan risk and requesting additional information, as necessary.• Maintained meticulous attention to detail in underwriting mortgages.• Successfully worked with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.• Detailed attention in documenting and effectively communicating reasons for the• approval or rejection of loans.• Timely returning of applications with additional documentation to the loan officer for review.

United States

• Performed other duties and responsibilities as assigned.• Provided world-class customer service and respectful, consultative guidance to clients.• Applied knowledge of mortgage holder and investor guidelines daily.• Performed routine loan calculations.• Monitored compliance of work escrow agreements verifying the work is complete and funds are properly paid out on time.• Assisted in training new hires. Determine all applicable ratios and metrics and set up debt payment plans• Interview applicants to determine financial eligibility and feasibility of granting loans.• Review active loan files each day to determine if any documents are missing or what can be done to help the process along.• Identify and recommend products that meets the customer's needs and the organization's lending guidelines• Communicate with clients either to request or to provide information.• Utilize professional judgement to determine which potential borrowers represent good risk opportunities for the organization.• Operate in compliance with laws and regulations and adhere to lending compliance. Guidelines