Jesse Ngo Nguyen Email & Phone Number

Irvine, California, United States

Santa Ana, California, United States

 Evaluate and analyze residential loan package submitted for approval to meet VA/FHA/FNMA/FHMLC underwriting guidelines and standards and appraisal guidelines to determine credit worthiness and acceptability of properties offered as security in real estate loan transactions Analyze credit documents, including, mortgage applications, credit history and income documents, title documents, appraisals and initial disclosures to verify completion of disclosures and meets compliance guidelines Evaluated all DTI & LTV/CLTV/HLTV ratios, credit scores, Federal Tax Returns (1040s, K1s, 1120’s, all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations Determining and documenting loan conditions and communicating requirements and/or decisions, conditions, scenarios and underwriting guidelines Assessing the risk of a loan and making an approval or decline decision based on the quality of the data in the loan file;  Reviews and ensures data integrity to confirm the accuracy of automated underwriting findings. Applies all internal underwriting guidelines, corporate requirements and federal regulations to the decision process to ensure loan quality. Analyze and verify the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application. Interacts with Mortgage Professionals to obtain information from the borrower or to seek clarification about documents in the loan file. Communicating required conditions and stipulations, and provides assistance to expedite the final approval of a file to ensure quick turnaround time. Audit the validity of all information, employment, income, and asset documentation provided; FHA/VA case assignment; LDP/GPA; CAIVRS;

Remote / Chula Vista, Ca

In addition to the daily duties of a mortgage underwriter, I assist in handling escalated issues, train new employees and assist operations department has the checks and balances it needs to maintain or expand the integrity of the required standards to make sure the company continually grows and expand successfully.

Irvine, Ca

 Evaluate and analyze residential loan package submitted for approval to meet FHA/FNMA/FHMLC underwriting guidelines and standards and appraisal guidelines to determine credit worthiness and acceptability of properties offered as security in real estate loan transactions Analyze credit documents, including, mortgage applications, credit history and income documents, title documents, appraisals and initial disclosures to verify completion of disclosures and meets compliance guidelines Evaluated all DTI & LTV/CLTV/HLTV ratios, credit scores, Federal Tax Returns (1040s, K1s, 1120’s, all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations Determining and documenting loan conditions and communicating requirements and/or decisions, conditions, scenarios and underwriting guidelines Assessing the risk of a loan and making an approval or decline decision based on the quality of the data in the loan file;  Reviews and ensures data integrity to confirm the accuracy of automated underwriting findings. Applies all internal underwriting guidelines, investor requirements and federal regulations to the decision process to ensure loan quality. Analyze and verify the employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each loan application. Interacts with Mortgage Professionals to obtain information from the borrower or to seek clarification about documents in the loan file. Communicating required conditions and stipulations, and provides assistance to expedite the final approval of a file to ensure quick turnaround time. Audit the validity of all information, employment, income, and asset documentation provided; FHA/VA case assignment; LDP/GPA; CAIVRS;

Irvine, California

 Underwriting residential loan package from CA, WA, AZ, CO, FL, MD and TX (Conventional, FHA, VA) branches and also Department of Homeland Hawaii Loans Analyzed residential loan package submitted for approval to meet secondary sale investor guidelines under FHA/VA/FNMA/FHMLC underwriting guidelines & standards, and appraisal guidelines for possible sale and determined credit worthiness and acceptability of properties offered as security in real estate loan transactions. Evaluated all DTI & LTV ratios, credit scores/history, Federal Tax Returns (1040s, K1, 1120’s, 1065's, all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations Determined and documented loan conditions and communicated requirements and/or decisions, conditions, scenarios and underwriting guidelines Manual condo warranty approve condo projects in HI per AUS full review determination Reviewed loan approval conditions prior to funding of loans Audit the validity of all information, employment, income, and asset documentation provided; LDP/GSA, FHA/VA Case # Assignment, Refi Auth, SS Validation, CAIVRS Submitted file for AUS and Compliance for results to complete loan packages necessary approval review for secondary sale Analyzed requests for exceptions to bank/investor policies and determine acceptability to the banks’ risk requirements. Documented all investor approvals prior to approval. Researched up-to-date lender guidelines, toleration percentages and generate templates  Prepared, submitted, and resolved all investor applications and inquiries pre/post-closing

 Contract UW services to branches with overflow of loan applications and assist new training new loan processors in policy and procedures of submitting a complete file Evaluate and analyze residential loan package submitted for approval to meet FNMA/FHMLC/FHA and secondary sale investor guidelines under FHA/DHHL/Conventional underwriting based on agency guidelines and standards, and appraisal guidelines for possible sale and determine credit worthiness and acceptability of properties offered as security in real estate loan transactions Analyze credit documents, including, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents Evaluated all DTI & LTV ratios, credit scores, Federal Tax Returns (1040s, K1s, 1120’s, 1065's and all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations Determining and documenting loan conditions and communicating requirements and/or decisions, conditions, scenarios and underwriting guidelines Review loan approval conditions prior to funding of loans Audit the validity of all information, employment, income, and asset documentation provided; FHA’s LDP/GPA CAIVRS search Communicate with branches and operations staff regarding loan decisions, conditions, scenarios, and underwriting guidelines Analyze requests for exceptions to bank/investor policies and determine acceptability to the banks’ risk requirements. Documented all investor approvals prior to approval.  *Supervised, trained, reviewed, and 2nd signed all DE/Conventional loan approvals of new UW recruits to ensure loan approvals meets company guidelines and procedures *Trained and reviewed new Loan Processor recruits to ensure loan submissions meets company guidelines and procedures

Irvine, Ca

 Currently Underwriting residential loan package from CA, WA, AZ, CO, FL, HI and TX (Conventional & FHA) branches and also Department of Homeland Hawaii Loans Analyzed residential loan package submitted for approval to meet secondary sale investor guidelines under FHA/FNMA/FHMLC underwriting guidelines & standards, and appraisal guidelines for possible sale and determined credit worthiness and acceptability of properties offered as security in real estate loan transactions. Evaluated all DTI & LTV ratios, credit scores/history, Federal Tax Returns (1040's, K1's, 1120’s, 1065's and all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations Determined and documented loan conditions and communicated requirements and/or decisions, conditions, scenarios and underwriting guidelines Manual condo warranty approve condo projects in HI per AUS determination Reviewed loan approval conditions prior to funding of loans Audit the validity of all information, employment, income, and asset documentation provided; LDP/GSA FHA Case # Assignment, Refi Auth, SS Validation, CAIVRS search Submitted file for AUS and Compliance for results to complete loan packages necessary approval review for secondary sale Analyzed requests for exceptions to bank/investor policies and determine acceptability to the banks’ risk requirements. Documented all investor approvals prior to approval. Researched up-to-date lender guidelines, toleration percentages and generate templates  Prepared, submitted, and resolved all investor applications and inquiries pre/post-closing

Santa Ana, Ca

 Underwriting residential loan package for CA (Conventional & FHA)  Analyzed residential loan package submitted for approval to meet secondary sale investor guidelines under FNMA/FHMLC underwriting guidelines & standards, and appraisal guidelines for possible sale and determined credit worthiness and acceptability of properties offered as security in real estate loan transactions. Evaluated all DTI & LTV ratios, credit scores/history, Federal Tax Returns (1040s, K1, 1120’s, all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulationsDetermined and documented loan conditions and communicated requirements and/or decisions, conditions, scenarios and underwriting guidelines Reviewed loan approval conditions prior to funding of loans Audit the validity of all information, employment, income, and asset documentation provided; LDP/GSA FHA Case # Assignment, Refi Auth, SS Validation, CAIVRS search Submitted file for AUS and Compliance for results to complete loan packages necessary approval review for secondary sale Analyzed requests for exceptions to bank/investor policies and determine acceptability to the banks’ risk requirements. Documented all investor approvals prior to approval. Researched up-to-date lender guidelines, toleration percentages and generate templates  Prepared, submitted, and resolved all investor applications and inquiries pre/post-closing

Irvine, Ca

 Analyzed residential loan package submitted for approval to meet secondary sale investor guidelines under FNMA/FMLC underwriting guidelines & standards, and appraisal guidelines for possible sale and determined credit worthiness and acceptability of properties offered as security in real estate loan transactions. Evaluated all DTI & LTV ratios, credit scores/history, Federal Tax Returns (1040s, 1120’s, all other schedules), property valuation and other factors and adhere to all client/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulationsDetermined and documented loan conditions and communicated requirements and/or decisions, conditions, scenarios and underwriting guidelines Reviewed loan approval conditions prior to funding of loans Audit the validity of all information, employment, income, and asset documentation provided; LDP/GSA, FHA Case # Assignment, Refi Auth, SS Validation, CAIVRS search Submitted file for AUS and Compliance for results to complete loan packages necessary approval review for secondary sale Analyzed requests for exceptions to bank/investor policies and determine acceptability to the banks’ risk requirements. Documented all investor approvals prior to approval. Researched up-to-date lender guidelines, toleration percentages and generate templates  Received, verified, recorded, and balanced all incoming checks into files General Ledger Accounting, Accounts Payable, Accounts Receivable: Prepare, process, recorded, adjusted and balanced expense reports, invoices, purchasing, shipping and receiving  Implement company policies, workflow procedures and guidelines Prepared, submitted, and resolved all investor applications and inquiries pre/post-closing Understand assigned market areas, which includes having knowledge of competitive properties, local business conditions and any other conditions that have an impact on the operation of assigned properties for commercial loans

Laguna Hills, Ca

 Reviewed all new loan files, confirming content contains sufficient information Handled all workflows of files processed Audit the validity of all employment, income, and asset documentation provided  Corresponded loan statuses with all upper and lower management involved  Managed and trained new hires Expedite the requests of documentation, certifications and appraisals for residential and commercial properties  Prepare and process expense reports, invoices, check requests, travel arrangements, purchases, shipping and receiving  Received, verified, recorded, and balanced all incoming checks into files and made necessary credit adjustments Assisted in all systems troubleshooting, software, hardware peripherals, and network installations, etc.

Irvine, Ca

 Corresponded loan statuses with all upper and lower management involved  Interacted with Investors to have loans purchased expeditiously off Warehouse Bank lines Processed/Finalized all Purchase/Suspense Advice from investors Verified specified funds wired to appropriate warehouse bank  Reconciled Purchase Advise to be removed off Warehouse Bank Lines  Packaged loans for delivery to title company and/or closing attorney Prepared, reviewed escrow agreements and settlements to correlate with contracts and instructions,  Ordered necessary surveys, beneficiary statements, hazard insurance policies, deeds of trust, and reconveyance Explained closing documents and derivation of figures on closing statement to parties involved Executed closing, obtaining payments due and disbursing funds to appropriate parties Pro-rated taxes, hazard insurance, loan interest, audited HUD and making aggregated adjustment interest credits Reviewed commitment, providing clearance to close, determining documentation necessary to waive exceptions Correlated surveys to property description, ascertaining its accuracy and completeness Performed post-funding audits, comparing funding to note, deed of trust, estimated HUD Prepared final settlement statements, expense reports, invoices, check requests  Reconciled funds deposited in escrow account with the final settlement statement Verified accuracy, completion of payoff demands, rates, points, broker fees, appropriate credits, escrow information Prepared and disbursed final settlement statements, reconciling cash, clearing accounts, final settlement statements and HUD