Latonja James
Miramar,Florida
Summary
Dedicated and forward-thinking Mortgage Underwriter with over 20 years of experience in the mortgage and banking industries. Known for a history of success in achieving goals and meeting deadlines in roles incorporating increasing levels of responsibility. Self-motivated professional with strong focus on all aspects of residential lending. Exceptional communicator and cultivator of key relationships with all levels of management and external customers to achieve effective results.
Overview
20
20
years of professional experience
Work History
Senior Underwriter
Sutherland Global
, Remote
06.2020 - 03.2022
- Performed underwriting of conventional mortgage loans in compliance with selling guide
- Review and confirm requirements for automated underwriting systems DU and LP
- Document and effectively communicate loan decisions
- Credit, appraisal, and assets review
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Analyze loan risk, making loan eligibility decisions to approve or reject application
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Monitored pipelines to track and loan status of loans.
- Consistently completed 4-5 new underwrites daily, turning around applications quickly with firm approval or denial decisions.
Underwriter
SitusAMC
, Remote
01.2018 - 06.2020
- Review compliance and credit of recently closed mortgage loans to assess risk based on agency, investor, and company guidelines
- Calculate income of w2 wage earners and self-employed borrowers and rental income
- Analyze credit and fraud reports to confirm borrower’s ability to repay and credit approvals
- Review Appraisals for single family dwellings, multi families and condominiums to confirm adjustments are within guidelines and value supported
- Review Loan Estimates, Closing Disclosures and change of circumstances to confirm cost associated with loans.
Credit Loan Analyst
First Guaranty Mortgage Corporation
, Remote
11.2015 - 11.2017
- Perform and conduct reviews on conventional and government loans originated for sale to Fannie Mae, Freddie Mac, VA, and FHA
- Deliver findings and recommendations to ensure compliance with company policies and procedures, agency requirements, and all applicable regulations
- Consistently maintain company service level and turn-time standards
- Designated ARM review analysis for team
- Trained all credit analysts on USDA loans
- Received multiple employees of the month for error free audits and productivity
- Maintain working knowledge of agency and investor guidelines and policies
Underwriter
OPUS
Fort Lauderdale, Florida
12.2014 - 11.2015
- Underwriting of conventional mortgage loans in a timely manner for completeness and compliance with Fannie Mae and Freddie Mac selling guidelines and approved seller variances
- Evaluate and provide recommendations for underwriting waivers and eligibility exceptions
- Selected to work with Fannie Mae team with the ability to work with Fannie Mae directly
- Review and confirm final Closing Disclosures, credit reports, income, and appraisal guidelines
- Contributed to the team maintaining number one rated vendor for Fannie Mae Post Project
- Complete and exceeded required production weekly while maintaining high-quality reviews.
Senior Underwriter
Core Logic
Sunrise, Florida
08.2013 - 11.2014
- Evaluated closed mortgage loans and determine risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss.
- Proactively identified solutions for customers experiencing credit issues.
- 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.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Underwriter
J P Morgan Chase
Deerfield Beach, Florida
03.2002 - 08.2013
- Performed full manual underwriting of files submitted under the USDA Guaranteed Rural Housing Program
- Analyzed credit, income, assets, appraisals, purchase agreements, monthly Mortgage Insurance premium calculations and reviewed title commitments to determine borrower’s ability to repay and compliance to investor guidelines
- Consistently ranked within the top 10% of underwriters in the Chase Rural Housing division
- Completed an average of 25 full files weekly and reviewed conditions while maintaining high quality reviews.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Education
Associate of Arts - Business Administration
Miami Dade College
Miami, FLSkills
- Proficient with DU, LP, USDA GUS, Data Verify, Fraud Guard,ACCESS and ENCOMPASS Loan Logics LoanSafe, LexisNexis, Microsoft Word and Excel
- Loan Product Knowledge
- Loan Restructuring
- USA Patriot Act
- Analyzing Data
- Loan Evaluations
- Pipeline Management
- Fraud Detection Techniques
- Risk System
- Collateral Valuation
- Analysis and Evaluation
- Government Lending
Timeline
Senior Underwriter
Sutherland Global
06.2020 - 03.2022
Underwriter
SitusAMC
01.2018 - 06.2020
Credit Loan Analyst
First Guaranty Mortgage Corporation
11.2015 - 11.2017
Underwriter
OPUS
12.2014 - 11.2015
Senior Underwriter
Core Logic
08.2013 - 11.2014
Underwriter
J P Morgan Chase
03.2002 - 08.2013
Associate of Arts - Business Administration
Miami Dade College
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