Cindy Je
Anaheim,CA
Summary
17 years experienced Underwriter, dedicated to provide excellent underwriting skills to maximize productivity. Seeking an opportunity to contribute to Insurance company that values hard work and integrity.
Overview
17
17
years of professional experience
Work History
Sr. Non-conforming Mortgage Underwriter
Movement Mortgage
Indian Land, SC
09.2021 - Current
- Mitigated company risks while meeting the monthly goals by making strategic decisions based on over 27 Non-QM investor guidelines, with signing authority of upto $2M using Mortgage Direct program
- Delegated investor guidelines including Chase, Citi, SG Capital, TD Bank, Truist, Wings, PFCU, WF, GS, Long Run, using full doc, limited doc, DSCR, Bank statements programs
- Maintained quick turn times to meet the borrowers closing dates
- Resulted in the 2nd sign review authority to train 7 Junior Jumbo underwriters
Sr. Non-conforming Mortgage Underwriter
New American Funding
Tustin, CA
07.2018 - 08.2021
- Exceeded monthly number of loan reviews with signing authority of upto $2M using Encompass program
- Collaborated with loan officers to mitigate risk factors resulting in 23% reduction in loan defaults
- Evaluated borrowers credit worthiness for accurate credit decisions using tax returns, financial statements, credit report, appraisal, CDA, DataVerify, property profile
- Recognized as the top 10 underwriters out of 306 underwriters
Sr. Non-conforming Mortgage Underwriter
Finance of America Mortgage
Irvine, CA
06.2015 - 05.2018
- Exceeded required monthly number of Jumbo loan review with signing authority of upto $2M using Byte
- Managed clients credit and financial data for Jumbo loans with Chase, Banc of CA, WF, AIG, Ever Bank, Redwood, Bank of America, US Bank
- Recognized as top producing site with $160M funding per month.
Non-conforming Underwriter
Bank of America, NA
Brea, CA
03.2007 - 05.2015
- Evaluated credit worthiness and decisioned the loans, with signing authority of upto $1M with average of 8 loans per day
- Assessed risk factors associated with complex non-conforming loan products
- Resulted to be recognized as one of the top 8 underwriters out of 150 underwriters in the department
Education
Mathematics
UC Irvine
Skills
- Mortgage Direct, Encompass, Microsoft office
- LexisNexis, DataVerify, CDA
- CoreLogic, Xactus
- Credit and cash flow analysis
- Risk assessment
- Interpret different guidelines
Timeline
Sr. Non-conforming Mortgage Underwriter
Movement Mortgage
09.2021 - Current
Sr. Non-conforming Mortgage Underwriter
New American Funding
07.2018 - 08.2021
Sr. Non-conforming Mortgage Underwriter
Finance of America Mortgage
06.2015 - 05.2018
Non-conforming Underwriter
Bank of America, NA
03.2007 - 05.2015
Mathematics
UC Irvine
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