Fernando Ruben Gonzalez
West Covina,CA
Summary
Results-driven FHA DE Underwriter experienced in loan underwriting and compliance with HUD guidelines and investor overlays. Analyzed DU and LPA findings to make informed loan approval decisions while collaborating with processing teams and loan officers to enhance operational efficiency. Delivered effective communication and problem-solving skills to ensure timely loan processing and maintain high client satisfaction.
Overview
2
2
Languages
6
6
years of professional experience
Work History
FHA DE Underwriter
OCMBC
Irvine, California
12.2020 - 08.2026
- Underwrote FHA loans using HUD guidelines and investor overlays.
- Analyzed DU and LPA findings for loan approval decisions.
- Evaluated credit, income, assets, and collateral documentation.
- Analyzed financial information of borrowers to ensure that they qualify for FHA loans.
- Reviewed FHA loan files for OCMBC mortgage lending compliance.
- Adjudicated complex mortgage exceptions within FHA and OCMBC policy.
- Verified appraisal, title, and escrow documents for file readiness.
- Issued clear conditions for OCMBC loan processing teams.
- Communicated underwriting requirements with processors, closers, and loan officers.
- Collaborated closely with processors and loan officers throughout the entire transaction cycle ensuring all required documentation was received timely.
- Monitored industry trends and changes in lending guidelines including identifying areas where additional guidance is needed.
Education
Schurr High School
Montebello, CASkills
- FHA underwriting
- HUD guidelines
- Loan analysis
- AUS findings
- Mortgage compliance
- Credit analysis
- Income verification
- Collateral review
- Risk assessment
- Analytical skills
- Deadline management
- Adaptability in a fast-paced environment
Languages
English
Professional
Spanish
Professional
Timeline
FHA DE Underwriter
OCMBC
12.2020 - 08.2026
Schurr High School