My skill set includes comprehensive risk assessment underwriting with an emphasis on identifying, analyzing and documenting material findings in defaulted mortgage loans via forensic review of core loan documentation, lender contracts and variances. I can effectively convey information to various levels of management, independently validate findings and am adept at shifting gears and adapting to change. I have strong organizational, analytical and research skills with a high degree of initiative. My responsibilities have included review process analysis and risk based manual underwriting for major mortgage entities. I am experienced in all aspects of the mortgage origination cycle, closing, funding, post-closing and secondary marketing with comprehensive knowledge of federal and multi-state regulatory compliance. I am proficient in working with imaged loan files and possess operating knowledge of Fannie Mae QAS, DU, Freddie Mac LP, Lexis Nexis, and other mortgage and investigative software platforms.
UNDERWRITING CONSULTANT (APRIL 2009- NOV 2009) STARPOINT SOLUTIONS, LLC
Conducted closed mortgage loan audits for eligibility according to Fannie Mae's Selling Guide and negotiated terms as defined by contract.
Performed forensic re-underwrite of defaulted loans utilizing available tools and processes
Identified transaction components which indicated underwriting deficiencies, misrepresentation and fraud
Performed risk analysis regarding underwriting deficiencies identified during the review process
Recorded all findings and review conclusions in QAS (Quality Asurance System)
Identified and determined the proper avenue of recourse option
Communicated results of file reviews to external customers via issuance of repurchase or reimbursement demand letters.
UNDERWRITING TEAM LEAD (OCT. 2007 - NOV. 2008) CITIMORTGAGE, INC
Responsible for the resolution of escalated underwriting, pricing, closing and funding issues for the wholesale lending channel
Secured $1.5 million lending/exception authority
Assisted in the review, development and monitoring of company underwriting policies and guidelines
Underwrote loans to investor guidelines to insure loan salability and compliance
Performed second level review of in-house, contract and tri-party contract underwritten files
Trained Client Resolution Specialists to receive their AUS authority
UNDERWRITER III (APR. 2005- MAY 2007) WELLS FARGO HOME MORTGAGE
Responsible for analyzing, underwriting and decisioning of mortgage loan applications submitted via the wholesale broker channel
Reviewed the applicant's credit, financials, collateral and title to ensure veracity, accuracy and adherence to established company and industry guidelines
Examined transactions utilizing fraud detection techniques to mitigate risk while maintaining a balance with production efficiency
Performed second level review for junior underwriters
Reviewed legal and regulatory/compliance documents for accuracy