Carla Cupp Michael

• Perform audits on closed loans and ensure loans are underwritten according to Movement’s policies and procedures

• Comprehensive understanding of investor guidelines including FHA, VA, USDA, FNMA and FHLMC

• Re-underwrites the income, assets, credit and appraisal for all Post-Closing quality control audit selections based

• Evaluates re-verified documents including income, assets, credit and appraisal

• Rates each file on credit worthiness and quality of the loan file

• Communicates findings to the appropriate Operations Underwriter

• Analyzed borrower information such as income, assets, liabilities, and credit history to make decisions on loan approval or denial.
• Collaborated with internal departments such as Processing, Funding and Closing to ensure a smooth transaction process from start to finish.
• Utilized automated underwriting systems such as DU and LP to accurately assess risk associated with loans.
• Delegated fha underwriter GE78
• SAR #021637
• Experience with FHA, VA, USDA, DCA and FHLB

• Review pre-fund, post-closing, early payment default conventional conforming, FHA, VA, USDA, DCA to insure file quality and integrity and that it meets required guidelines

• Review conventional conforming, FHA, VA, USDA, DCA, Alabama Housing, National Homebuyer Fund, FHLB loans to insure file quality and integrity and that it meets required guidelines
• Delegated underwriter number GE78
• SAR #021637

• Prepare files, gathering all necessary information, to submit file for loan submission