Expert knowledge of Encompass, Appraisal review, Title review, Desktop Underwriter(DU), Loan Prospector/Loan Product Adviser(LP/LPA),Collateral Underwriter, FHA, Portfolio, Jumbo, Bond and Manual Underwriting products. Validated income, assets, property, disclosures and reviewed for red flagsProvided detailed summary of findings and provided a loan decision, loan approvals, conditional loan approvals, suspense and loan denials.Categorical understanding of the mortgage lending process Ability to carry out requisite loan calculations (DTI,. LTV, etc.)Ability to handle numerous files simultaniously Trained new underwriters and processors on processes, products and guidelinesAlways made myself available to help teammates and assist where neededAlways willingly and enthusiastically volunteered myself to learn new programs and products.Accomplishments:Met and exceeded goal of 2 underwrites per day (50 loans per month) first month and all months followingConsistently a top performerMet and exceeded quality goalsPromoted to Senior Underwriter

Compared loan file documents to specified guideline requirementsRe-Calculated LTV, CLTV, Income, Liabilities, and debt to income ratios(DTI) and compared against guidelinesAnalyzed asset statements in order to determine that funds to close and reserves met guidelinesConfirmed credit scores and credit histories met guidelinesEvaluated evidence of the borrowers willingness and ability to repay the obligationExamined income, employment, assets and occupancy status for reasonablenessIncorporated updated dates on occupancy, employment, income, borrower identity, credit scores, ect.Accomplishments:Top performerMet and exceeded quality goalsPromoted to Quality Control

Reviewed and analyzed customer financial documentation and proposed modification solutions to assist customers in retaining home ownershipExperience with FHA, Fannie Mae, Freddie Mac and private investor agencies to review proper guidelines and policiesReviewed and analyzed borrower documentation to determine income and repayment capacity of self-employed borrowers and other more complex filesAssessed borrowers hardship, analyzed housing expenses and determined proper loan resolutionDetermined modification recommendation within system based on income/debt analysisCompleted active file audit reviews, quality control reports and post-closing audit functionsCalculated delinquency, analyzed modification scenarios and proposalsCompleted review of Appraisal and TitleIdentified potential red flags and/or misrepresentation on the part of all interested parties to the transactionAccomplishments:Top performer for team first month and multiple months followingMet and exceeded quality goalsMet and exceeded submission quotaMet and exceeded income (MIQR) goals