Summary
Overview
Work History
Skills
Timeline
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JUDY PARK

San Jose,CA

Summary

27 plus years experience in underwriting and processing for mortgage corporations. Dedicated to professionalism, highly motivated toward goal achievement. The ability to be productive where skills are utilized and capabilities recognized. Able to work as a team or independently in a fast-paced environment. Can adapt quickly to a changing environment and the advancement of technology.

Overview

26
26
years of professional experience

Work History

Senior Underwriter

Googain
Sunnyvale, CA
06.2018 - Current
  • Assisted senior-level loan officers with complex loan applications by analyzing applicants' financial status, credit etc
  • To determine feasibility of granting loans
  • Adhered to all federal and state compliance guidelines relative to retail mortgage lending
  • Performed daily maintenance of loan applicant database
  • Trained junior underwriters

Corporate Underwriter

Bank of America
San Jose, CA
12.2014 - 06.2018
  • Manual underwriting with signing authority of up to 5 million
  • High concentration on non conforming purchase transactions
  • Traditional underwriting through automated systems such as clues, DU and LP
  • Recognized as top 5% of all underwriters within Bank of America Corporation.

Homeownership Advisor

Chase
San Jose, CA
04.2010 - 12.2014
  • Underwriting through government programs such as MHA and Hamp programs
  • Effectively managed pipeline of over 300 clients while acting as lead advisor
  • Managed high profile clients such as referrals from office of President complaints, congress woman Jackie Spears office and several high-end business professionals.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.

Senior Underwriter-Correspondent Lending

All American Finance
Saratoga, CA
08.2008 - 04.2010
  • Performed underwriting based on traditional correspondent lending methods
  • Several cross references from different lenders-program / matrices to fit borrower's best interest
  • Signing authority up to 1 million.

Senior Underwriter

Washington Mutual
San Jose, CA
01.2006 - 08.2007
  • Manual Underwriting with signing authority up to 3 million
  • High concentration on complex transactions such as multiple loans to one borrower, cross collaterals, exception based loans, 1031 exchanges
  • High level scorecard achievement in productivity as well as quality.

Customer Loan Specialist

Wamu
01.2001 - 01.2006
  • Performed processing and underwriting based on automated underwriting methods
  • Carried over 55 loan pipeline and processed for top loan agents
  • Trained junior processors

Customer Loan Specialist

GMAC
Monterey, CA
01.1995 - 01.2001
  • Duties included: funding, drawing documents for closing, processing, and underwriting through automated underwriting systems
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.

Skills

  • Loan Evaluations Customer Needs Assessments
  • Desktop Underwriter
  • Underwriting and Adjustments
  • Analyzing Data
  • Loan Product Knowledge
  • Loan Restructuring
  • Collateral Valuation
  • Commercial Real Estate
  • Analysis and Evaluation
  • Fraud Detection Techniques
  • Staff Support
  • Income Statements
  • Eligibility Requirements
  • Customer Satisfaction
  • Credit Application Review
  • Data Integrity

Timeline

Senior Underwriter

Googain
06.2018 - Current

Corporate Underwriter

Bank of America
12.2014 - 06.2018

Homeownership Advisor

Chase
04.2010 - 12.2014

Senior Underwriter-Correspondent Lending

All American Finance
08.2008 - 04.2010

Senior Underwriter

Washington Mutual
01.2006 - 08.2007

Customer Loan Specialist

Wamu
01.2001 - 01.2006

Customer Loan Specialist

GMAC
01.1995 - 01.2001

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