Roberta Martinez Email & Phone Number

Lake Forest, California, Us

Responsible for managing 5+ Underwriters Offshore and onsite. In addition, underwrite Non-QM and Portfolio mortgage loans while performing credit analysis to ensure compliance with corporate and secondary market investor standards. Responsible for examining loan documentation for accuracy and completeness in a prior approval environment, finding solutions, and rendering underwriting decisions for loans originating through wholesale and subsequent clearing of conditions to ensure product guidelines are adhered to.● Managing, training, and mentoring a team of offshore and on-site underwriters● Be the primary point of contact as subject matter expert (SME) assisting salesforce and business partners in structuring eligible loans in conjunction with the Company’s third-party originators.● Interpret and provide appropriate loan solutions for Non-QM/Non-Agency loan requests.● Analyze the borrower’s credit file, collateral, and capacity to ensure creditworthiness.● Perform manual underwriting review to ensure the loan meets all product and property guidelines of the Company and investors, as well as compliance with corporate and secondary market investor standards.● Underwrite Non-QM and Portfolio loans for wholesale and correspondent loans efficiently and on a timely basis to ensure the loan meets all product and property guidelines of the Company and investors and meets all established loan policies, credit limits, and regulatory requirements.● Clear conditions timely on loans; affirm data integrity on all submissions.● Identify potential misrepresentation or fraud.● Keep up to date with all guideline changes and system enhancements.● Writing guidelines under Non-QM and Hard Money Loans● Assisting with building artificial intelligence LOS system for Non-QM and Hard Money loans

Non-QM & Conventional Underwriting/Processing- Work for various Mortgage Brokers in Southern California. Engaging with Borrowers to complete the beginning processing documentation and assisting MLO's on program qualifying for Non-QM, Private/Hard Money, and Conventional Products. Pre-Underwrite files to Lender’s guidelines and policies. Assist with resolution for high-risk products with acute decision making and critical thinking to align loans targeted to be beneficial to Lenders' and Borrowers'. Adhering and adapting Team concept and mentoring to improve education & knowledge to parties such as Brokers, Borrowers, Processing, Mortgage Loan Officer, or any other parties involved with a loan transaction. Files Underwritten for the following programs:12-24 Bank Statements/ P & L/ DSCR/ITIN/Foreign National/1099/ Super Jumbo Non-QM/Asset Depletion Quality Control & Post Closing Auditing- Ensure loans are in full compliance with all Federal and State rules, regulations and laws governing mortgage lending. Guarantee that the re-verification activity is complete and validates the information used by the client to approve and close the loan. Perform prefund and post close audits to ensure that the underwriter followed specific AUS guidelines, and that loans are compliant and properly underwritten. Recommend corrective action relative to quality assurance. Assist in curing deficiencies with repurchase buy-back, conducting re-underwriting analysis and loan restructuring.

Plano, Texas, Us

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions Conventional, Jumbo, Super Jumbo, Non-QM & HELOCS Assists in clearing post-closing issues to adhere to Investor Guidelines Performs Manual Underwriting and Credit Analysis with Automated AUS System Exhibits excellent time management. Plan and organizes effectively to achieve 2 decisions pers day along clearing necessary conditions for clear to close

Chicago, Il, Us

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Implemented high standards of underwriting policy, which resulted in 100% Quality scores Underwrites to all types of loan transactions Conventional, High Balance & Jumbo Performs Manual Underwriting and Credit Analysis with Automated AUS System Exhibits excellent time management. Plan and organizes effectively to achieve 2 decisions pers day along with clearing necessary conditions for clear to close

Glendale, California, Us

Reviews & analyzes loan for Income, Collateral and Credit Analysis for Underwriting decisions Responsible for all post-closing issues arising for sale to secondary markets.Underwrites to all types of loan transactions conventional, Jumbo, Non-QM & Super Jumbo products. Exercise’s good judgement and decision-making skills using a risk-based Approach. Provides mentoring and training for all staff members including sales on current guideline & procedures Performs Manuel Underwriting and credit Analysis with Automated AUS System.

Glendale , California , Us

Reviews and analyzes loan files submitted to ensure file meets loan program requirements Responsible for day-to-day operations consisting of Loan Opener, Processor, Underwriter & Funder Underwrites to all types of loan transactions conventional, Jumbo, Non-QM & Super Jumbo products Identifies and structuring of loan scenarios & Calculates risk to company and Industry standards Provide mentoring and training for all staff members including sales on current guideline & procedures

Phoenix, Arizona, Us

• Reviews and analyzes loan file submitted for borrower to ensure file meets loan program requirements. Includes individual analysis of application, credit profile, Debt to income, assets, income, financial statements, Loan to value ratios, appraisal reports and collateral supporting documentation.• Underwrites all types of loan transactions including conventional conforming and jumbopurchase and refinance transactions to FNMA, FHLMC guidelines• Identifies and calculates risk to company and industry standards to give meticulous evaluation of loan applications and determine credit worthiness and risk• Maintain 3 files per day and condition sign off for final approval within 48-hour turn-around time• Implemented high standards of underwriting policy, which resulted in 100% Quality scoresstrong working knowledge of underwriting policies, guidelines and automated underwriting systems such as DU and LP• Approves, counters or denies loan file. Conditions files accordingly for supporting or missing documentation. Reviews loan to clear conditions reanalyzes income if necessary and prepares file for final approval.

Us

• Reviews and analyzes loan file submitted for borrower to ensure file meets loan program requirements. Includes individual analysis of application, credit profile, Debt to income, assets, income, financial statements, Loan to value ratios, appraisal reports and collateral supporting documentation.• Train originators and processing staff on such subjects as self-employed tax returns analysis, appraisal review, condo project approval & credit• Underwrites all types of loan transactions including conventional conforming, Non Conforming, Portfolio, Non QM, HELOC, HELOAN and refinance transactions to FNMA, FHLMC. & Portfolio guidelines• Identifies and calculates risk to company and industry standards to give meticulous evaluation of loan applications and determine credit worthiness and risk• Maintain 3 files per day and condition sign off for final approval within 48 hour turn-around time• Implemented high standards of underwriting policy, which resulted in 100% Quality scores• Developed strong working knowledge of underwriting policies, guidelines and automated underwriting systems such as DU and LP• Approves, counters or denies loan file. Conditions files accordingly for supporting or missing documentation. Reviews loan to clear conditions reanalyzes income if necessary and prepares file for final approval.

Reviews and analyzes loan file submitted for borrower to ensure file meets loan program requirements. Includes individual analysis of application, credit profile, Debt to income, assets, income, financial statements, Loan to value ratios, appraisal reports and collateral supporting documentation.Identifies and calculates risk to company and industry standards to give meticulous evaluation of loan applications and determine credit worthiness and risk assessment.Underwrite Fannie Mae & Freddie Mac Conventional Purchases and Refinances using DU or LP. Approves, counters or denies loan file. Conditions files accordingly for supporting or missing documentation. Reviews loan to clear conditions reanalyzes income if necessary and prepares file for final approval

Charlotte, Nc, Us

• Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting VA, FHLMC, FNMA ,HAMP, Conforming and Non-Conforming loans. SASE III underwriting level and VA auto with further experience in DU and LP underwriting.• Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity. • Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements. • Underwriting VA, MHA, Conforming and Non- Conforming loans.

Loan Originator, Mortgage Lending

High School, General Education