Jody Medeiros
Epworth,GA
Overview
30
30
years of professional experience
Work History
Quality Analyst II
The Stonehill Group
03.2022 - 07.2022
- Responsible for complete audit of closed loan to ensure loan is compliant to investor and agency guidelines
- Various loans included Conventional, FHA, VA, USDA and compliance of Non-QM loans to confirm loan meets secondary market requirements
- Communicated deficiencies, if any, to clients with specific recommendations to ensure salability
- Company layoff was due to lack of work.
Conventional/DE Underwriter
Caliber Home Loans
05.2021 - 11.2021
- Establish strong relationships with business partners (Sales, Risk Management, Operations etc) Comprehensive knowledge of underwriting guidelines and restrictions for Conventional, FHA, conforming and non-conforming loans
- Responsible for comprehensive review of Fraud Report to verify accuracy and consistency of loan file
- Ability to review Condo/PUD projects to ensure they meet salable or non-warrantable guidelines
- Ability to review complex tax returns and conduct cash flow analysis when applicable
- Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality service excellence.
DE/Conventional Underwriter
Pilgrim Mortgage
07.2020 - 04.2021
- Front end origination underwriting experience with extreme detail to customer service-within team and outside to our customers
- Remote underwriter working closely with loan originators and processors to ensure loans meet various investor guidelines with little to no supervision
- Responsible to underwrite loans to include: calculation of income and assets, review of credit profiles and appraisals to determine borrower's ability to repay and soundness of credit decisions as determined by industry standards
- Ensure loans meets all RESPA/TRID and QM compliance from origination to closing
- Manage pipeline to ensure timely review to meet minimum SLA standards as set forth by company
- Complete knowledge of conventional and FHA guidelines
- Knowledge of DU, LP systems
- Encompass LOS proficient.
Jumbo Underwriter
Clayton Holdings LLC
- Review closed loans in accordance with conventional guidelines
- Validate data integrity through AUS engines, including DU, LP, Assetwise and others
- Identify and assess overall risk and potential fraud exposure
- Review of credit to assess credit patterns, current liabilities and outstanding judgments and collections
- Review collateral to validate correct LTV ratios and compliance to industry guidelines
- Analyze income from salaried/commission/self employed income sources
- Analyze various asset statements
- Analyze title commitments for accuracy and absence of liens /encumbrances
- Ensure loan is compliant and meets minimum QM requirements.
Pre Funding Quality Control Underwriter
American Financial Resources Corporation
06.2019 - 09.2019
- Review Conventional, FHA and VA loans pre funding for overall compliance to investor and secondary market guidelines
- Report investigative findings with recommendations for corrective action
- Encompass LOS proficient.
DE/Conventional Underwriter
Primary Residential Mortgage Inc.
12.2014 - 10.2017
- Remote underwriter working closely with loan originators and processors to ensure loans meet various investor guidelines with little to no supervision
- Responsible to underwrite loans to include: calculation of income and assets, review of credit profiles and appraisals to determine borrower's ability to repay and soundness of credit decisions as determined by industry standards
- Ensure loans meets all RESPA/TRID and QM compliance from origination to closing
- Manage pipeline to ensure timely review to meet minimum SLA standards as set forth by company
- Complete knowledge of conventional and FHA guidelines
- Knowledge of DU, LP systems
- Encompass LOS proficient.
Underwriter III
Digital Risk
07.2012 - 12.2014
- Underwriter for conforming vendor
- Validated DTI, income, assets, and LTV/CLTV to program guidelines
- Reviewed and cleared collateral and title documentation
- Reviewed AUS and corresponding income, assets and credit components of the loan to fall within program guidelines
- Knowledge of DU, Assetwise and other Digital Risk tools
- Effectively communicate loan decisions to clients and work through any issues to ensure timely closing
- Various projects included Ally Bank, Sun Trust and Bank of America
- First employee to acquire the BOA SASE 6 designation within the organization.
Senior Underwriter
PNC Bank
08.2010 - 07.2012
- Responsible for evaluation of credit/asset and collateral validation to ensure compliance of investor and secondary market guidelines
- Responsible for investigative functions to ensure loan quality and the absence of fraud
- Utilized state and government websites to verify accuracy of loan information relating to applicants employment and property information
- Responsible for pipeline management to ensure conditions and new loans within acceptable turn times
- Signing authority to $750,000.
Previous Employment
08.1992 - 08.2010
- Held various positions within the Mortgage Banking Industry: Contract Forensic Underwriter/Investigative Auditor, Contract Processor for FHA and Conventional Loans, Wholesale Account Executive, AWD Trainer/Product Specialist, Senior Underwriter for FHA and Conventional Loans, Inside Sales, Prime Division Manager.
Timeline
Quality Analyst II
The Stonehill Group
03.2022 - 07.2022
Conventional/DE Underwriter
Caliber Home Loans
05.2021 - 11.2021
DE/Conventional Underwriter
Pilgrim Mortgage
07.2020 - 04.2021
Pre Funding Quality Control Underwriter
American Financial Resources Corporation
06.2019 - 09.2019
DE/Conventional Underwriter
Primary Residential Mortgage Inc.
12.2014 - 10.2017
Underwriter III
Digital Risk
07.2012 - 12.2014
Senior Underwriter
PNC Bank
08.2010 - 07.2012
Previous Employment
08.1992 - 08.2010
Jumbo Underwriter
Clayton Holdings LLC
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