CHUM #IN05, VA SAR #23406, CALHFA, AZ DPA Assistance programs, VA IRRRL, Wholesale, Retail• Decision loans submitted to Underwriting from Wholesale sources and Retail loans.• Use of MTRAC AUS System to decision loans for FNMA, FHLNC, FHA,VA Portfolio & CALHFA Verify accuracy of Case Assignment, CAIVRS, Case Query & Appraisal logging through FHA Conection Provide final 9290LT, 92900A, Conditional Commitment• Provided a clear, concise, and appropriate conditioning of loans with the confidence to explain the rationale behind credit decisions• Purchase and refinance loans underwritten to investor guidelines• Remote underwriter• All loans run on the web for investor approvals• Signing authority not limited

DE UW CHUMS # IN05 UW DU,LP, FHA, Correspondent, Portfolio 1st, Portfolio Stand alone 2nds & Combo loans. Encompass AUS System• Ensured compliance with federal and state lending regulations resulting in reduced risk.• Exceeded all production deadlines, while producing impeccable loan results that identified potential risk and negative impact on the bank.• Collaborated with all team members to drive deals to successful funding and closing.• Verified Case Assignment, CAIVRS, and Appraisal Logging through FHA Connection.• Working knowledge of underwriting guidelines for FNMA, FHLMC, FHA, Portfolio 1st & 2nd liens, and DPA Assistance Programs: Underwriting Certification obtained through E Housing Plus.• Provided a clear, concise, and appropriate conditioning of loans with the confidence to explain the rationale behind credit decisions.• Filed with Loan Quest, and converted to Ellie Mae/Encompass for AUS decisions.• Certified credit guidelines were met based on evaluating borrowers’ creditworthiness, income, assets, ability to repay, property evaluations, and other underwriting criteria

• Provided audit reviewed on conventional mortgages• Reviewed all aspects of the loan file to meet investor guidelines. • All documents and disclosures reviewed for quality and acceptability.

Highly skilled in calculating income through proper document validation. I am driven to produce quality as a dedicated individual and with a winning attitude. Overcome complex income calculations. Vast experience in the extreme hardship situations through extensive working knowledge of rental income cash flow analysis, wage earners, self employed schedule C, E and S corporation (1065 & 1120) borrowers. 20 years of Underwriting Experience. Signing authority to $750,000. Completed advanced FHA Appraisal course in 11/3/2009

My primary duty is to review files where sellers have to qualify to sell their homes, have a hardship and to mitigate loss. Dealt with real estate agents, homeowners, PMI companies and a multitude of investors. Determine if homeowners qualify for short sale. Review investor guidelines to determine if we have delegated authority to approve the short sale. Based on the current fair market value, determine the negotiation that needs to take place between the homeowner and the agent. Become successful in negotiating with all parties and move the file on to the closing phase

Reviewed files submitted by brokers for accuracy and compliance. Insured that guidelines were followed. Reviewed appraisal to determine values were supported. Requested review appraisals when values were not supportive. Ran site X for values. Underwrote credit to validate credit worthiness and determine credit grade. Reviewed income through complex corporate tax returns or pay stubs and W2’s to validate a borrowers ability to pay the loan back. Approved files up to $300,000. Approved or declined files based on investor guidelines, was sent to open a new office in Dallas. Was sent to Boca Raton to train an underwriting staff for a new office