◦ Review of Forensic Underwriter’s audits.◦ Provide guidance and training information to Forensic Underwriters.◦ Decision reviews, complete analysis and update loans in the Salesforce software system.

◦ Underwrite of Conventional and Portfolio loans through Desktop Underwriter (DU); Loan Prospect(LP) and Automated Underwriting System (AUS).◦ Updated AUS decisions confirming reconciliation to the Empower software system.◦ Documented systems with all dates and information certifying system data integrity.◦ Reviewed and validated credit, income, assets and fraud reports.◦ Calculated complex self-employed business and personal tax returns.◦ Analyzed, evaluated and decided loan to confirmation based on guidelines.◦ Provided verbal, written, and site documentation to support the loan approval decision.◦ Conducted third party documentation reviews verifying accuracy and addressed discrepancies.◦ Guidelines, overlays and exception reviews.◦ Decision loans, create and update conditions ensuring supporting documentation is received.◦ Determine loans requiring submission for management review for escalation of scenarios outside ofguidelines.◦ Order and review Mortgage Insurance (MI) based on loan programs.◦ Provide recommendations to ensure options are provided for loan approvals.◦ Recommend approval, denial or suspension of credit application.◦ Effective management of pipeline, emails and calls providing excellent customer service for external clients and internal departments.◦ Multi-tasking while maintaining and exceeding production standards goals in a fast-paced environment and successfully arranging priorities for a 24-hour condition review requirement.◦ Thorough communications both verbal and written for analysis of loan and conditions.◦ Personal contact with internal and external organizations to provide resolution, buildingrelationships, ensuring cooperation, discussions, confidentiality, discretion and diplomacy.◦ Analyze appraisal reports, order and review Collateral Underwriter (CU) reports and conditionappraisal reports, order desk reviews and submit to second tier review as deemed necessary.◦ Assist in resolving pre/post closing issues.

Underwrite of Conventional mortgage loans, Manual, Non-QM, Portfolio, Jumbo, Desktop Underwriter (DU); Loan Prospect (LP) and Automated Underwriting System (AUS).◦ Reference CFPB Appendix Q and various agency, company and Investor guidelines.◦ Determine if loan requires Loan Exception and site compensating factors.◦ Structured problem-solving, organization, and collaboration skills.◦ Adaptable and agile in a constantly changing fast-paced and highly productive environment.◦ Prepare loan reports for Compliance and Bank review and approval.◦ Review third party tools to ensure accuracy and site discrepancies for risk assessment and management.◦ Analyze and decision loans, write analysis of loan scenarios and create and review conditions with Lending QB - Meridian Link software system.◦ Manage and monitor daily pipeline while working independently.◦ Collaborate and communicate with internal bank departments.◦ Effectively work independently, detail-oriented, self-motivated and organized.◦ Analysis of appraisal reports, order and review Collateral Underwriter (CU) report and request information from appraisers.

◦ Underwrite of Conventional and Portfolio mortgage loans through Desktop Underwriter (DU), Loan Prospect (LP), Automated Underwriting Systems (AUS) and Manual UW.◦ Majority of loans reviewed being Manual loans of self-employed borrowers for specialty products.◦ Lending authority $1.5MM.◦ Calculate complex self-employed income calculations reviewing tax returns, P&L and balance sheets. ◦Analyze, review and evaluate credit, income and asset documentation.◦ Complete and document cash flow analysis forms and multiple underwriter forms.◦ Reconcile and update information in the Encompass software system.◦ Review and submission of Mortgage Insurance (MI) loans to MI companies.◦ Evaluate loans to confirm requirements met for RESPA, regulatory/investor guidelines, overlays, government standards, compliance, policies, procedures, rules, and regulations.◦ Ensure quality assurance using third party tools.◦ Analyze loan and provide detailed synopsis of characteristics of loan and create loan conditions.◦ Decision loans and approve, suspend or deny loans with effective communication of decision both verbal and written.◦ Determine if a recommendation for a Loan Exception is necessary providing compensating factors. ◦◦ Research and respond to all quality control reviews, internal and external audits and individual audits.◦ Professional service provided as the liaison for Loan Officers and Processors.

◦ Underwrite and QA reviews of conventional, VA, FHA and Reverse mortgage loans through Desktop Underwriter (DU), Loan Prospector (LP), Automated Underwriting Systems (AUS) and Manual UW. ◦ Government Sponsored Enterprises (GSE) documents review.◦ Review of credit and income and collateral mortgage loans.◦ Review of early payment default and denied loan files to provide analysis of the findings of the loan file. ◦ Quality control audits using FNMA, Freddie and Investor’s guidelines, overlays and matrix.◦ Research of client rebuttal loans.◦ Assistance in the DataTrac software system updates and implementations. ◦ Training and Quality Assurance of Underwriting Team.