Alice Faris

Determined and documented loan conditions and communicated requirements and decisions.

• Followed through with loan processors, loan originators and managed all phases of underwriting process.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
• Effectively communicated with branches on daily bases with attempt to be most effect Underwriter in division.
• Met and exceeded all production and quality goals
• Used VA, FHA, FHA Bond, and Conventional underwriting standards to evaluate, underwrite and decision loans.
• Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.

• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
• Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
• Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
• Supported marketing and sales activities with subject matter expertise.
• Reviewed Mortgage Insurance and Non Delegated accounts to make accurate decisions by accounting for risk, hazards and exposure.
• One of two Underwriters with Radian awarded $3,000,000 Underwriting Authority.

• Onsite Modification Underwriter at JPMCB, Tampa, FL.
• Acted as Subject Matter Expert and represented JPMCB, via phone calls, during foreclosure case hearings. Interacted with Judges, Attorneys and Borrowers.
• Analyzed credit, income, compliance, title documents and appraisals during modification process.
• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making modification decision.
• Followed through with loan processors, loan originators and managed all phases of modification process.
• Provided high level of assistance to help with review, classification, coding and rating of applications and modification requests .
• Examined potential loss stemming from catastrophe, severity or frequency of possible loss of asset.

• Evaluated employee skills and Coached regularly, training and mentoring individuals with lagging skills.
• Kept up to date with RMIC mortgage insurance requirements as well as agency standards.
• Trained new team members by relaying information on company procedures and expectations.
• Established open and professional relationships with team members to achieve quick resolutions for various issues.
• Established open and professional relationships with team members to achieve quick resolutions for various issues.
• Coached team members in techniques necessary to complete job tasks.

• Performed business research and financial analysis.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Monitored pipelines to track and log status of loans.