Senior Mortgage Underwriter Conventional And Fha, De, Quality And Audit Analyst, Risk Analyst
Current- Received FHA DE (Direct Endorsement) AUG 2022-Manufactured Home Experience- Responsible for Initial Underwrite and Determining Initial Approval Status: Approved with Conditions, Suspended, or Rejected.- Responsible for Issuing Loan Denials for Conventional and FHA Loans that do not meet Investor Guidelines. - Analyzed Income Documentation, Income History, and Calculated Income following Investor Guidelines. - Analyzed and Reconciled Loan Applications, Credit Reports, Asset History, Public Records, Property Title Policies, Purchase Contracts, HO3/HO6/Master Insurance Policies, and Appraisal Reports. - Determined File Eligibility while Ensuring File Compliance with Investor Guidelines from Initial Underwrite through Clear to Close Status.- Maintained and Exceeded Company Standards for Client Satisfaction, Turn Time SLAs, Loan Quality, and Production.- Cross-trained to Assist Post Close Quality Control Repurchase Team- Performed Underwriting Quality Control Review of Loans Identified with Deficiencies. - Worked Directly with Fannie Mae and Freddie Mac Formulating Appeals to have Loan Defects Rescinded or Alternative Options in Lieu of Repurchase. - Create Write-Ups for Executive Risk Leadership to Explain which Loans cannot be Remedied and Must be Repurchased.
