Randall Bowers Email & Phone Number

Warrenton, Or, Us

Anaheim, Ca, Us

Irvine,Ca

- Underwrite FHA Loans – Purchase, Refinance, and Streamlines: Analyzing all aspects of loans including credit, income, assets, property and appraisals.- Extensive knowledge of HUD 4000.1.- Underwrite VA Loans – Purchase, Refinance and IRRRL’s: Analyzing all aspects of loans including credit, income, assets, property, appraisals and VA guidelines. Sr. SAR to VA trainees- Conventional Loans - Purchase, Refinance, Non-Conforming: Analyzing all aspects of loans including credit, income, assets, property, and appraisals. * Extensive knowledge of investor guidelines, policies and procedures.* NON-QM and JUMBO product knowledge and underwriting policies and procedures.

Irvine, Ca

- Underwrite FHA Loans – Purchase, Refinance, and Streamlines: Analyzing all aspects of loans including credit, income, assets, property and appraisals.- Extensive knowledge of HUD 4155.1 and Mortgagee Letters- Underwrite VA Loans – Purchase, Refinance and IRRRL’s: Analyzing all aspects of loans including credit, income, assets, property, appraisals and VA guidelines.* Extensive knowledge of investor guidelines (Wells Fargo, PennyMac, GNMA) policies and procedures

Irvine, Ca

• Underwrite FHA Loans – Purchase, Refinance, and Streamlines: Analyzing all aspects of loans including credit, income, assets, property and appraisals.• Extensive knowledge of HUD 4155.1 and Mortgagee Letters• Underwrite VA Loans – Purchase, Refinance and IRRRL’s: Analyzing all aspects of loans including credit, income, assets, property, appraisals and VA guidelines.• Extensive knowledge of investor guidelines (GMAC, Flagstar, Wells Fargo) policies and procedures• Proficient in DU, LP, Calyx Point, Lexis Nexis, Datatrac,

Irvine,Ca (Purchased By Carrington Mortgage Services 6/2011)

• Underwrite FHA Loans – Purchase, Refinance, and Streamlines: Analyzing all aspects of loans including credit, income, assets, property and appraisals.• Extensive knowledge of HUD 4155.1 and Mortgagee Letters• Underwrite VA Loans – Purchase, Refinance and IRRRL’s: Analyzing all aspects of loans including credit, income, assets, property, appraisals and VA guidelines.• Extensive knowledge of investor guidelines (GMAC, Flagstar, Chase) policies and procedures• Proficient in DU, LP, Calyx Point, Lexis Nexis, Datatrac,

• Underwrite Conventional Loans – Purchase, Refinance, Fannie Mae direct, Freddie Mac direct and various other investors, CalPERS, CalSTRS• Underwrite FHA Loans – Purchase, Refinance, GNMA direct, CHF Access,CalHFA; HUD REO, Streamlines, and Manufactured Housing: Analyzing all aspects of loans including credit, income, assets, property and appraisals.• Extensive knowledge of HUD 4155.1 and Mortgagee Letters• Proficient in DU, LP, Calyx Point, Lexis Nexis, Corelogic, paperless technology and other vital • Top underwriter at corporate office routinely underwriting 40-60 FHA loans per month.

• Identify and analyze local community economic development needs.• Provide technical assistance to local jurisdictions regarding economic and community development needs.• Advise local jurisdictions on available State resources for economic and community development.• Review and analyze existing and proposed legislation.

Anaheim, Ca

• Oversee functions of company call center including scheduling appointments with customers and company representatives, tracking company sales and reporting for sales manager.• Direct report to company executives regarding advertising campaigns, ROI on advertising campaigns and possible new advertising strategies.• Responsible for revamp and overhaul of companies web marketing activities including new design, layout and implementation of company website as well as SEO strategies and campaigns.• Helped to start and develop the company’s Solar Power division including product review, California Solar Initiative policy and procedure review, and training company personnel.

Irvine, Ca

• Successfully co-organized the establishment of the Irvine branch in 5/03. Branch went from four employees and 10 million in funding to twenty employees and 80 million in funding in one year. • Achieved a defect ratio taking it from 20% to less than 5% with procedures and post-closing audit examinations developed with the branch operations manager.• Reduced branch exposure to un-salable loans to investors. Branch was the fourth most profitable in the company out of twenty-two.• Oversaw functions of the funding department, doc department and submissions department.• Obtained and analyzed information to provide data for other department heads and senior management through monthly management meetings and presentations.• Developed and maintained training programs within the departments, cross-trained all employees in each function of the three areas. • Helped create training within the branch for FHA and VA loans with in depth exercises to bring all employees and account executives up to speed with current FHA guidelines including guidelines (4155.1) changes, policies etc.

Anaheim, Ca

• Market company products and services to new and existing customers.• Maintain database of customers and installation jobs.• Describe and show benefits of company products and services.• Complete all required paperwork (contracts, in house documents etc.)• Walk customer through process from contract to installation.• Follow up with customer after installation to insure satisfaction.

Irvine, Ca

• Review signed loan documents including truth in lending requirements, fee compliance (prepaid and non-prepaid finance charges), HUD-1 and all escrow / title documents.• Worked closely with mortgage brokers and escrow officers to insure timely closing of loans.• Review files post closing to insure all requirements were met to meet investor guidelines.• Top funder in Irvine branch closing approximately 175-250 loans per month depending on volume.• Extensive knowledge of FHA and VA loans including reviewing appraisals for DE underwriters, income / asset / credit review and required disclosures at closing