Mortgage underwriter Resume
CARMEN M. DIAZ
CRAB ORCHARD ROAD, HOUSTON TX.
Cell: – Home: –
Email:
Experience on the Mortgage and Real Estate Profession for fourteen years. As a, Level Underwriter, Processor, Loan Closing and Funding, Trainer, Quality Control and Compliance, Due Diligence, Real Estate Agent and Loan Officer. Strong training skills, ability to think independently, excellent communications skills, ability to work in a team environment.
EXPERIENCE:
Contemporary Services (Wells Fargo Home Mortgage)
Level Decisioner/Underwriter (Contractual).Frederick MD / /
Responsible to consider all aspects of the loan to ensure it is of investment quality and determining whether the loan meets all the lender’s criteria.
To extend every effort to apply a common sense approach to each case to avoid material findings and/or deficiencies.
Clayton Mortgage. San Juan, Puerto Rico / /
Underwriter/Trainer (Contractual)
New project with the Hispanic Market where we audited loans to be sold on the secondary market. Responsible for the in-depth training of
processors for months and underwriters for months to Underwrite all loans products and types to ensure adherence with the appropriate investor guidelines
Houston Champions Real Estate Co. Houston TX / /
Real Estate Agent
Understand and interpret property appraisals, title, sales contracts and other associated Real Estate documents and services.
Contemporary Services (Wells Fargo Home Mortgage)
Level Decisioner/Underwriter (Contractual).Frederick MD / /
Responsible to consider all aspects of the loan to ensure it is of investment quality and determining whether the loan meets all the lender’s criteria.
To extend every effort to apply a common sense approach to each case to avoid material findings and/or deficiencies.
Responsible to ensure appropriate information is obtained to complete loan package to ensure accuracy, completeness and compliance with Conventional guidelines with Seconds, Arm’s, Interest Only, Alt A, Fixed, Buy Downs.
Morrison Financial Services Houston TX / /.
(Joint venture with Wells Fargo Home Mortgage)
Level Decisioner/Underwriter/Trainer.
Responsible for the analysis of submitted file on Capital, Credit, Collateral, to meet guidelines.
Mentor and coach co-workers proactively and as needed. Achieved goals on timely mortgage approvals for Home Loan Consultants. Stayed abreast of any changes in loan underwriting provisions on Buy Downs, Fixed, Arm’s, Interest Only, Alt A, and Seconds, for new construction properties and condominiums
Contemporary Services. Phoenix AZ. / Walnut Creek CA.
(Wells Fargo Home Mortgage) / to /
Processor / Closer / Trainer / Underwriter (Contractual)
Responsible for obtaining all documentation for the approval of new closings. Completed data input on LIS and LPS Systems. Processed, Con., Non-Conventional, VA, FHA, Jumbo, Refinancing, Trust. Whosale and Retail Loan experience, reviewed documents for legalities and accuracy.
Mentor for co-workers on underwriting issues. Reviewed loan-to-value ratio, credit reports, applications, title, and appraisals to meet company standards.
Wells Fargo Home Mortgage. Houston TX. / to /
Processor/Underwriting level .
Process over a pipeline of loans, confirmed accuracy of underwriting conditions and ensure timely delivery of loan documentation, CONV./ FHA/ VA. Loans Underwriter level (A paper) all single-family residential loans focused on compliance concerns to help reduce material findings for the MAP
Branch Manager Assistant/Loan Officer/Trainer. Houston TX. / to /
Responsibilities included gathering all the correct and accurate information from the borrower, duties also included reviewed and analyzed Title, Sales contract, survey, and products to meet guidelines to be in compliance once a loan was submitted to the processing department.
Processor. Houston TX. / to /
Responsible for a pipeline of over files on LIS to meet deadlines for a smooth and efficient manner for all parties, identify potentially fraudulent information, performed as a level Underwriter.
Countrywide Home Loans. Houston TX. / to /
Processor / Closer / Funding.
Responsible for the processing, closing and funding of at least loans a month, solved any deficiencies in a timely manner
Assisted Branch Manager to pre-qualify all the Hispanic Clientele and Handle their loans from the Application to Funding
Suzanne Anderson Properties Houston TX. / to /
Realtor
Helped Manager with all Commercial and Residential Real Estate Closings.
Served as a liaison for my clients with Lenders, Title Companies, Insurance Agents, Appraisers and Listing Agents.
EDUCATION:
Several
Leonard’s Real Estate School. Houston TX.
(Real Estate License)
San Antonio College, San Antonio TX.
(Small Business Administration)
College of Bachilleres, Mexico City
(Hotel Management)
Attended several courses on Compliance and Quality Control, FHA, VA, Conventional, Non-Conforming, Sub-prime, Appraisal, Title/survey/Escrow, and Costumer Service
SKILLS:
LIS LPS APPTAKER DU/LP
NCYCLOPEDIA FHA ON LINE MORTGAGE WAREAS
EDGE CONTEMPO PUBLISHER WORD .
GENESIS ALLTEL ACT WINDOWS XP
FLUENT IN SPANISH
REFERCES:
Ann Sobczyk – POM
Laurie Lallinger – Underwriter/Trainer
Pino Chiappetta – Closing Docs Supervisor
Cristina Cassidy – Builder POM II
