Seasoned Sr. Mortgage Underwriter with front-line expertise, underwriting Jumbo loans up to $5 million in the following lending channels; correspondent, retail and wholesale; Residential, 1-4 units. Expertise:Specialty in complex income/cash-flow analysis for multiple business entities, 1120, 1120S, 1065 as well as personal tax returns for high-net worth clients. Expertise in review of complex business financial statements including P&L's, Balance Sheets, Statement of Cash-flows, Source and Use of Funds.Additional expertise in portfolio acquisition/due diligence review for mortgage portfolios and liquidation of warehouse lines.Prior experience using Encompass, DU, LP and other proprietary AUS systems for conventional conforming loan amounts. Ability to communicate effectively with outward facing clients and internal business partners including major stakeholders.Experience:Most recent experience underwriting jumbo correspondent loans for PenFed Credit Union which acquired the Correspondent Division from TIAA Bank formerly EverBank; past five years Nov. 2017 to Nov. 2022.Well- rounded experience in the mortgage business. Most recent 25 years' experience underwriting and underwriting management. Underwriting experience includes 8 years contract underwriting for the following MI companies: MGIC, UGI, Radian and Genworth. Prior to underwriting,15 years origination, brokering and sales management for conventional loans.