MORTGAGE UNDERWRITER Resume
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Resume:
Professional Experience
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• / to // WELLS FARGO, Tempe, AZ
Loan Originator
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• Proven ability for sales accomplishments.
• Delivered excellent customer service by closing loans for clients at there home versus our office.
• Built new client referral base by providing excellent customer service.
• Assisted clients with mortgage services and cross-selling loan programs where needed.
• Assisted processors in preparing underwriting requirements.
• Prepared loan documents for underwriter to examine.
• Problem solved customer issues and routinely using my expertise to answer client questions.
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• / to / METROCITIES MORTGAGE LLC, Phoenix, AZ
Loan Officer
• Routinely lending support to loan officers regarding hard to close loans.
• Creating loan officers monthly goals.
• Creating the company’s yearly goals.
• Developing business leads for the company thru advertising and proactively seeking new business sources.
• Developing new business banking partners to increase our lending options for loan officers and clients
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- LIFETIME MORTGAGES, INC Milwaukee, WI
Mortgage Underwriter
• FNMA/FHLC knowledge
• Performed loan underwriting on Conforming and Non-Conforming Loans
A, Alt A and Subprime and Government loans
• Ability to multitask workload in a fast-pace environment.
• Provided informational support and mentoring to processors and closers concerning program guidelines and procedures.
• HELOC/HELOAN
• Trained and Mentored New Underwriters
• Recognized as a resource person, problem solver, trouble shooter.
• Wholesale and Retail -st and nd mortgages
• Underwriting experience with investor’s programs: SISA, SIVA, NO DOC, NO RATIO and FULL DOC.
• Reviewed, analyzed and approved individual consumer requests and products within company and industry guidelines.
• Determined decisions/exceptions beyond the authority levels of less experienced underwriters.
• Served as a consultant/technical resource on difficult problems and questions.
• Handled escalated calls: second level reviews; provided work direction, feedback and training to underwriting staff including coaching lower level underwriters on underwriting decisioning, department procedures and policies.
• Processed Refinance, Purchases, and Inter-Family Transfers.
• Extensive knowledge and experience with ARMs, Fixed Rate,
Interest Only and HELOC loans.
• Processed loans utilizing both Stated Income and Full Documentation requirements.
• Opened Escrow, ordered Title Reports, Payoff Demand Statements, and Estimated HUD form Title Company.
• Re-Disclosed on any missing, incomplete, or incorrect forms and reissued to Agent.
• Daily contact with Agents and Title Companies answering all questions related to loans currently in progress and informing Agents of any follow-up requirements.
• Maintained detailed records of all contact with all parties.
• Received Conditional Loan Approvals with conditions and met all requirements for both Stated and Full Documentation Applications.
GREAT LAKES MORTGAGE, INC. Milwaukee, WI
Loan Officer
• Proactively developed new clients for potential loan applications via networking, attorney’s, home improvement contractors, banks and referrals.
• Proven ability for sales accomplishments.
• Delivered excellent customer service by closing loans for clients at there home versus our office.
• Built new client referral base by providing excellent customer service.
• Assisted clients with mortgage services and cross-selling loan programs where needed.
• Assisted processors in preparing underwriting requirements.
• Prepared loan documents for underwriter to examine.
EDUCATION
Wilberforce University Wilberforce, OH
B.S. Degree Business Management
North Division H.S. Milwaukee, WI
Diploma
