JASON WESTMORELAND

• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Applied grades to each loan application based on established criteria to keep institutional risk low.
• Met 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
• Verified integrity of applicants' information to minimize fraud.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
• Maintained mortgage program compliance with federal agencies such as VA, HUD, FNMA and FHLMC.

• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
• Trained new hires on various mortgage lending software, policies and procedures used to underwrite loan files for various Clients.
• Met 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions
• Worked with processing team members to communicate errors and obtain missing information for current applications

• Explained very technical financial information to applicants in easy to understand language.
• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
• Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
• Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions

• Developed and initiated projects, managed costs, and monitored performance.
• Fostered relationships with vendors to promote positive working relationships.
• Updated operational methods, oversaw accounting procedures, tracked information and compiled data to improve efficiency.
• Evaluated employee skills and knowledge regularly, training and mentoring individuals with lagging skills.
• Led projects and analyzed data to identify opportunities for improvement.

· Underwriting of conventional, Jumbo,FHA/VA loan files in timely manner for multiple major lending institutions on a contract basis.

• Monitored pipelines to track and log status of loans.
• Checked personal and team calculations to validate information and underwriting decisions.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.

• Review deliverables prepared by underwriters and processors before passing to final review by senior management.
• Act as an off-site client liaison to minimize all exposure and risk on the project.
• Ensure project documents are complete, current and stored appropriately.
• Manage day to day operational aspects of the project and assign daily work flow assignments.
• Ensure the daily work flow meets all client timelines.
• Complete processing, underwriting and quality control as required to meet timelines.
• Perform all database quality control checks to ensure 100% accuracy.
• Manage and maintains database file folders.
• Coordinate with the analysts on all deliverables.
• In the absence of senior management act as senior project manager relating to all LPS and remote staff.
• Perform due diligence that includes data capture from loan origination/credit files and seller/servicers loan servicing systems, a final data comparison to seller-provided information, and a thorough data integrity analysis to resolve discrepancies with all data sensitive to acquisition pricing.
• Assist in reviewing kicked loans, providing them to seller, reviewing seller's response, and
• Providing data to client as needed.
• Perform risk analysis and make decisions regarding deficiencies of loans.