Manually underwrote Non Agency, Agency DU/LP with Chase overlays. Extensive knowledge of complex personal and business tax returns, rental income, multiple properties, annuitization income.Expert knowledge with credit report analysis and tradeline requirements.Exceptional loan quality of 98-100% with internal audit reviews.High level of attention to detail, excellent communication skills and customer satisfaction.

Underwrite conventional loans with mortgage insurance coverage while evaluating risk factors. and lender overlays.• Evaluate creditworthiness and financial strength of the borrower to determine degree of credit risk and assess loan level eligibility. Review and analyze loan application, credit report, liabilities, assets, collateral and income.• Assigned to the special projects team for Flagstar Bank while underwriting standard, complex and specialized loan submissions while ensuring eligibility, accuracy, completeness and compliance.• Maintain exceptional customer service through regular communication, status updates, negotiate and resolve customer conflicts.• Current knowledge of Arch MI product guidelines, Covid-19 temporary flexibilities and temporary underwriting requirements. Use of Fraudguard and DataVerify tools. Excellent written and verbal communication skills.

Underwrote Non-Agency, Non QM and Jumbo loans, manual private investor and DU / LP validation purchase and refinance transactions. Excelled in consistent loan quality while minimizing layered risk.• Knowledge in Conventional and private investor underwriting with investor overlays and Appendix Q rules. • Analyzed credit reports, income, asset documentation, appraisal, while working independently and maintaining production goals.• Manual calculation of earnings from salaried, commissioned and personal and business tax returns with accurate completion of income worksheets. P&L and balance sheet review.• In-depth knowledge of Fannie and Freddie policies and guidelines. Requested private investor exceptions.• Ability to maintain a positive attitude, handle changing situations and strict deadlines while adhering to an exceptional level of customer service.• Issued final approval, uploaded all necessary approval documentation and data input into software imaging systems. Maintained pipeline and cleared prior to close conditions.• Excellent written and verbal communication skills. Ability to identify fraud with dataverify review and various fraud tools.

• Examine and evaluate documents for accuracy and completeness: income, assets, collateral, credit.• Review and calculate income: wage earners, self-employed, business tax returns, other income, financial statements, tax transcripts.• Ability to work within a fast-paced environment. Identify fraud , layered risk, inconsistencies and errors. • Accomplished to maintain consistent high quality loan standards.• Provide a positive customer experience. Effectively work with Loan Processors, Sales, Closers.

• Investigate and respond to investor repurchase demands and internal referrals for potential breach notice obligations in securities documents.• Review specific pooling and servicing agreement structure and content for company contractual obligations and evaluate alleged breaches. • Research and respond to investor repurchase demands or mortgage insurance company notices of insurance rescissions.

• Manually re-underwrote DU, LP and Non-AUS non-performing loan files referencing historical to current investor guidelines, master agreement/commitment, credit policy and program requirements.• Identified loans that required re-purchase after reviewing the credit history, income documentation including self-employed tax returns, assets, collateral review for value and marketability and other compliance documents from the original loan file.

Underwrote multi-state loans with LP / DU, Jumbo Loans, Alt A, Manual Underwrites, Helocs, followed program guidelines, provided rush underwrites, analyzed income including tax returns, credit and collateral in a timely manner.