Summary
Overview
Work History
Education
Skills
Timeline
Generic

Aster Habtemariam

San Diego,CA

Summary

Detail-focused Mortgage Underwriter known for high productivity and efficiency in task completion. Possess specialized skills in risk assessment, financial analysis, and regulatory compliance. Excel in critical thinking, decision-making, and problem-solving to navigate complex mortgage applications. Committed to maintaining accuracy and integrity in all underwriting processes.

Overview

9
9
years of professional experience

Work History

Mortgage Underwriter

SMART CHOICE REALTY & MORTGAGE FINANCE
Los Angeles, CA
03.2024 - 04.2025
  • Underwrote Non-QM and conventional loans following company and investor guidelines.
  • Analyzed complex borrower income, including full tax returns, personal/business bank statements, and P&L.
  • Reviewed credit, title, and appraisal reports to assess loan risk and property acceptability.

Tax Associate

H&R BLOCK- TAX PROFESSIONAL
San Diego, California
12.2023 - 04.2025
  • Prepared federal, state, and local tax returns for individuals, businesses, trusts, estates, non-profit organizations and partnerships.
  • Analyzed financial data such as income statements and balance sheets to determine how it affects a client's taxes.

Due Diligence Underwriter

Consolidated Analytics
Santa Ana, CA
06.2021 - 08.2022
  • Analyzed borrower profiles with alternative methods for income verification.
  • Assessed risk to determine loan eligibility per Non-QM program guidelines and investor overlays.
  • Detected discrepancies and requested supplementary documentation to ensure sound credit decisions.

Income Specialist

Amerisave Mortgage
Atlanta, GA
04.2020 - 05.2021
  • Performed income calculations for various loan types, including Non-QM.
  • Guided junior underwriters in mastering income calculation techniques.

Underwriter

Rose International ( Union Bank)
San Diego, California
02.2019 - 03.2020
  • Evaluated financial data such as income, assets, liabilities, and credit history of applicants.
  • Communicated effectively with lenders, brokers and other external partners involved in transactions.
  • Reviewed financial data to support loan decision-making.

Underwriter

Wells Fargo
San Diego, CA
09.2016 - 10.2017
  • Reviewed applications to evaluate potential credit risks.
  • Documented comprehensive rationale supporting underwriting decisions.

Education

Bachelor of Science - Accounting

San Diego State University
San Diego, CA

Skills

  • Loan underwriting
  • Risk assessment
  • Financial analysis
  • Credit evaluation
  • Documentation
  • Encompass
  • Byte
  • LexisNexis
  • DU / LP

Timeline

Mortgage Underwriter

SMART CHOICE REALTY & MORTGAGE FINANCE
03.2024 - 04.2025

Tax Associate

H&R BLOCK- TAX PROFESSIONAL
12.2023 - 04.2025

Due Diligence Underwriter

Consolidated Analytics
06.2021 - 08.2022

Income Specialist

Amerisave Mortgage
04.2020 - 05.2021

Underwriter

Rose International ( Union Bank)
02.2019 - 03.2020

Underwriter

Wells Fargo
09.2016 - 10.2017

Bachelor of Science - Accounting

San Diego State University

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