Audrey Monzon
Pomona,CA
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
A highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Experience in Conventional, QM and Non-QM, Hybrid Reverse Mortgage, Asset Based Loans, Self-Employed Income tax returns, Business Purpose and HELOC loans for multiple clients for open and closed loans, with a proactive approach and a willingness to work outside the job specification when required.
Overview
15
15
years of professional experience
Work History
Underwriter III
Edgemac/Incenter LLC
07.2021 - 09.2023
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Enhanced underwriting efficiency with implementation of automated system for managing application data.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Collaborated with other professionals to develop innovative underwriting solutions.
Forensic Underwriter
Edgemac Mortgage Advisory
03.2015 - 07.2021
- Evaluate failed risk assessment, investigate fraud, and misrepresentation on closed loans, in time sensitive environment, which included review of multiple documents such as the Note, HUD 1 Settlement Statement, Income, Assets, and Credit,1003/1008, and property appraisal.
- Enhanced fraud detection by meticulously reviewing loan files and identifying discrepancies in documentation.
- Conducted comprehensive risk assessments for accurate underwriting decisions, contributing to company's risk mitigation efforts.
- Minimized financial losses by implementing effective forensic analysis techniques to detect mortgage fraud early on.
- Reduced errors in underwriting decisions through consistent adherence to company guidelines and industry regulations.
- Increased accuracy of income calculations by diligently verifying employment information and income sources for applicants.
Sr. Retail Loan Processor
MUFG Union Bank
02.2013 - 12.2014
- Knowledge of conforming and non-conforming loans, as well as QM and Non-QM loans according to procedures and requirements
- Knowledge of various automated underwriting systems, DU, EMPOWER and lender loan requirements and procedures
- Advised loan officers of loan programs for maximum Benefit to Borrower
- Review of loan files for program qualifications and accurate supporting documentation
- Insure loan files meet required compliance and quality control standards
- Pre-underwriting review of initial loan requests
- Coordinated closings through Loan Officers, Lenders, Borrowers, and Closing Agents.
- Managed approximately 25 - 50 pipeline, including calls, emails per day from customers.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
Home Service Specialists II
Bank of America
03.2009 - 02.2013
- Processing of loans approved by an Underwriter or automated decision system within designated signing authority limits
- Cleared underwriting conditions and issuing changes to terms on previously approved loans i.e
- Income and assets documentation
- Resolved routine title issues including but not limited to following; vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens, re-conveyance; processed subordinations, resolved appraisal disputes, and depending on channel coordinate closing activities
- Maintained high level of customer service by being proactive in communication with customers including banking center associates, realtors
- Being focal point of communication with customer and sales force in closing process of the loan and communicating and verifying fees of closing statements to customers
- Ability to manage fluctuating loans and accountable for executing to goals and metrics.
- Managed pipeline of 25 - 60 or more loans
Education
High School Diploma -
Frontier High School
Whittier, CA06.1981
Skills
- Microsoft Office
- Risk Assessment
- Analyzing data
- Documentation Review
- Trend Analysis
- Loan Evaluation
- Adaptability
Timeline
Underwriter III
Edgemac/Incenter LLC
07.2021 - 09.2023
Forensic Underwriter
Edgemac Mortgage Advisory
03.2015 - 07.2021
Sr. Retail Loan Processor
MUFG Union Bank
02.2013 - 12.2014
Home Service Specialists II
Bank of America
03.2009 - 02.2013
High School Diploma -
Frontier High School
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