Deji Atewo
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
12
12
years of professional experience
Work History
Underwriter
Prosperity Home Mortgage
02.2021 - Current
- Evaluated loan applications and determined eligibility for approval based on borrower qualifications and financial information.
- Collaborated with loan officers to ensure accurate and complete loan applications are submitted for underwriting.
- Collaborated with Sales and Operations teams to address any underwriting issues or concerns, and provided guidance on loan structuring and pricing to ensure competitive and profitable loan offerings.
Senior Loan Processor
Trident Mortgage Company
09.2018 - 02.2021
- Collaborated with loan officers and underwriters to gather necessary documentation and resolve any issues that arise during the loan processing.
- Ensured accuracy and completeness of loan files by reviewing all loan documents, including appraisal, credit, income, and purchase contracts, to ensure compliance with state and federal regulations and underwriting guidelines.
- Maintain a thorough understanding of loan programs and guidelines, including FHA, VA, and Conventional loans, to effectively guide loan officers and underwriters during loan processing.
- Ensured strict adherence to all privacy and data protection regulations, including the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, to protect the confidentiality of customer information and maintain compliance.
Relationship Banker III
M&T Bank
Washington D.C.
06.2012 - 09.2018
- Managed a portfolio of over 250 clients and their family members.
- Developed and implemented strategies to attract new clients, increase customer retention, and maximize profitability.
- Analyzed and monitored market trends to identify potential opportunities for expanding the bank's customer base.
- Collaborated with internal teams to develop and execute marketing campaigns targeted at existing clients to increase cross-selling and upselling opportunities..
Education
Bachelor Of Accountancy - Finance
Morgan State University
Baltimore, MDSkills
- FHA/VA/CONV/USDA Credit report Analysis Income Calculation
- Day 1 Certainty LoanSafe Fraud Alert Audits Proficient in Encompass
- Loan Origination Experienced Underwriter Loan Securitization
- Portfolio Management Due Dilligence Underwriting Experienced with DU/LPA
Timeline
Underwriter
Prosperity Home Mortgage
02.2021 - Current
Senior Loan Processor
Trident Mortgage Company
09.2018 - 02.2021
Relationship Banker III
M&T Bank
06.2012 - 09.2018
Bachelor Of Accountancy - Finance
Morgan State University