Non-Qm Senior Underwriter
Current Consistently provided high-level customer service by conducting thorough analyses of risk and compliance within the company and adapted to individual client needs and expectations. Analyzed and spread corporate and personal financial statements, tax returns, and financial projections. Delivered detailed credit memorandums, illustrating a dedication to transparency and excellent customer service by facilitating understanding of complex financial information for clients including: credit worthiness, loan structure, cash flow analysis, financial spreads, risk rating, key financial ratios and collateral review. Developed strong professional relationships through effective communication and collaboration with team members, leading to more efficient problem resolution processes. Prepare comprehensive underwriting analysis and rationale of all third party documentation, including but not limited to, credit, title, Data Verify, property valuations and appraisals. Acted as a primary point of contact for clients’ loan queries, demonstrating an outstanding ability to interpret guidelines and provide situation-specific advice, thus enhancing customer experience. In charge of and designated bank statement income underwriter for the entire wholesale underwriting department.
