Review applications received from loan originators and prepare initial disclosures.● Assist with coaching, and training along with being a key resource for the operation department on the LOS● Calculate debt to income ratios, LTV, CLTV and HCLTV as to meet all relative underwriting and lender guidelines● Responsible for the ordering and reviewing credit reports, title reports, flood cert, escrow documents and appraisals.● Perform proactively as a liaison between loan originator, borrower, lender, realtors, escrow officers and underwriter.● Verify with third parties such as employers, banking institutions, credit bureaus, and any other sources to make sure allinformation provided is accurate.● Review derogatory credit, perform income documentation verification, and review property appraisals for deficienciesand declining market trends● Gather and review all necessary documents from initial submission to clear-to-close.● Ensure all loan documentation are complete, accurate, verified, and complies with the company's policies as well as stateand federal regulations before submission to the Underwriting team.● Run AUS(DU/LP) and interpret findings.

. Assisted senior underwriters by conducting research, preparing reports, and performing other tasks to help facilitate the underwriting process.. Maintained accurate records of all underwriting decisions, including notes on the rationale behind each decision. .Ensure that all documentation is complete and compliant with regulatory requirements. Assisted Sr. UW in assessing the overall risk of each mortgage loan application. Identified any potential red flags or discrepancies that may affect the loan's approval.. Applied the lender's underwriting guidelines and criteria to determine whether the borrower qualifies for the loan. This includes considering factors such as loan-to-value ratio, down payment amount, and loan program requirements.

Reviewed financial statements and contacted institutions and customers to clarify details.● Mitigated loan pipeline issues by working with internal partners including underwriting, secondary and closing.● Handled any conditions sent from underwriting departments.● Championed closing process with attorneys, title companies and government clerks.● Processed loans within various departments to achieve timely, accurate and fair proceedings.● Obtained and reviewed borrower loan documents to make sure they are accurate and ready for close.● Checked submission packages for appropriate documentation.

● Provided quick turnaround times to maintain fast-past schedule.● Coordinated with senior mortgage loan processor by ordering property profiles, SSA-89 through Data-verify.● Monitored key dates to obtain information by deadlines.● Communicated effectively with customer contact over the phone and scheduling or collecting essential loan documents.● Review bank statements and calculate deposits as well as calculate various other types of income.