Laura Temgoua

• Applies knowledge of mortgage servicing process and Amerisave underwriting guidelines
• Determines credit worthiness and risk associated with a borrower based on credit profile.
• Communicates decisions that most effectively mitigate credit risks for Amerisave, including data integrity and validity of information submitted.
• Achieve work goals for productivity, quality and turn time.
• Uses established procedure and significant job experience to perform mandatory complex work assignments and problem resolutions.
• Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgement and experience.
• Responsible for the analysis of submitted files for repayment capacity, capital/assets, character, collateral, and property condition, while adhering to Amerisave credit policies and investor/agency guidelines.
• Works under minimal supervision, acquires and applies maturing knowledge of the business, its products and process.
• Utilizes lending authority and mature underwriting of all aspects of Mortgage and/or Home Equity underwriting and portfolio guidelines to underwrite complex loan files
• Performs Credit and Income Analysis, Loan to Value and Debt to Income Ratios, as well as Compliance and Quality Control.
• Reviews and evaluates credit applications to assess the loan package for approval or fraudulent activity and provides feedback to the Processors and Originators to improve the quality of loan
• Writes great 1008 notes that best serves internal customers.

• Determines credit worthiness and risk associated with a borrower based on credit profile

• Communicates decisions that most effectively mitigate credit risks for Freedom Mortgage, including data integrity and validity of information submitted.

• Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgement and experience.

• Responsible for the analysis of submitted files for repayment capacity, capital/assets, character, collateral, and property condition, while adhering to Freedom Mortgage credit policies and investor/agency guidelines.

• Works under minimal supervision, acquires and applies maturing knowledge of the business, its products and process.

• Uses established procedures and significant job experiences to perform complex work assignments and problem resolution.

• Utilizes lending authority and mature underwriting of all aspects of Mortgage and/or Home Equity underwriting and portfolio guidelines to underwrite complex loan files.

• Performs Credit and Income Analysis, Loan to Value and Debt to Income Ratios, as well as Compliance and Quality Control.

• Reviews and evaluates credit applications to assess the loan package for approval or fraudulent activity and provides feedback to the Processors and Originators to improve the quality of loan files.