Patrice Meilunas
Underwriting/Customer Service
Woodstock,Ga.
Summary
- Accomplished, motivated professional seeking employment in the mortgage or customer service industry. Leveraging excellent work ethics, accountability, integrity, and customer service oral and written communication. Made outbound calls to obtain additional documentation for loan completion. Answered inbound calls, chats, and emails to facilitate customer service and satisfaction. Nineteen plus years of mortgage underwriting experience. Proficient at building an accurate and solid risk evaluation for salable FHA, Conventional, Non-QM, and Reverse mortgages. Can act quickly to address conflicts and solve problems. Ensured compliance with underwriting policies, guidelines, overlays and maintained familiarity with constant changes in policy and procedures. Demonstrated history of maximizing customer service and consistently exceeding performance goals.
Specialties: Direct Endorsement/quality analyst, forensics, auditing and customer service.
Lo share point, Microsoft outlook, and MS Office
Overview
16
16
years of professional experience
1
1
DE Certification
Work History
FHA Underwriter, Conventional Underwriter
Supreme Lending, DI49 Chums
Dallas, TX
07.2019 - 07.2022
- Supreme lending is a full service, nationwide mortgage lender
- As an FHA underwriter I verified loan applications for completeness, accuracy, and compliance
- Analyzed income documentation for all types of income including tax returns, full review of appraisal reports, assets, credit bureaus and title adhering to HUD handbook and company overlays
- Reworked loans to updated terms, identified additional condition requirements as needed to insure a viable credit decision
- Communicated with loan officers and management of the final decision or approval or decline
- Maintained pre-established service level standard of 24 hour turn time, top volume production underwriter seven out of 12 months with zero qc findings
- Das Acquisition Company/USA mortgage
FHA Underwriter, Conventional underwriter
Das Acqusition
St , MO
08.2017 - 06.2019
- Das acquisition is a wholesale lender located in St Louis
- As an FHA Underwriter I underwrote FHA residential loans while ensuring compliance and company overlays
- I analyzed loan documentation, credit, income, assets, title and appraisal reviews for accuracy and completeness
- Restructured terms of the loan, identified additional conditions as needed to insure a viable credit decision
- Communicated with operations staff of the final decision of approve or decline
- Maintained service level standard 24 hour turn time, assisted in preparation of repurchase and or rebuttal reviews
- Southeast mortgage
- DI49 Chums ID
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
FHA /Conventional underwriter
Freedom Mortgage
06.2015 - 07.2017
- Underwrote FHA, Conventional, jumbo, and manual residential mortgage loans while complying with FHA, investor guidelines and company overlays
- Analyzed applicant’s credit, income, tax returns, appraisals, assets, and title report while utilizing time management and risk assessment skills to produce quality work
- Evaluated and cleared underwriting conditions to provide a salable loan.
Non Qm Underwriter
Citadel Servicing Corporation
, CA
04.2013 - 04.2015
- Underwrote Non Qm residential loans
- Analyzed income, assets, credit, appraisal report and title work
- Communicated with operation staff of the final loan decision
- Maintained 24 hour turn time level of service.
FHA Underwriter
Generation Reverse Mortgage Company
03.2009 - 02.2013
- Underwrote residential reverse mortgage loans: all single purpose, federally insured, and proprietary
- Evaluated and analyzed documentation to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors
- Reviewed that collateral was acceptable to guidelines, signed off conditions in a timely manner and worked within SLA’s to close a salable loan.
FHA/Conventional underwriter
Taylor, Bean& Whitaker
, ID
02.2006 - 03.2009
- Underwrote FHA and conventional loans to conform to company and investor guidelines, utilized AUS and manual outlets to prepare a detailed analysis and a salable loan
Skills
- Underwriting Guidelines
- Mortgage Underwriting
- Debt Ratios
- LP Underwriting
- Credit Decisions
- Eligibility Requirements
- Residential Mortgage Applications
- Customer service
- Proficiency in Microsoft Office and G Suite
- Answering Emails
- Computer Proficiency
- Skilled in Microsoft Office
Certification
- Direct Endorsement
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
FHA Underwriter, Conventional Underwriter
Supreme Lending, DI49 Chums
07.2019 - 07.2022
FHA Underwriter, Conventional underwriter
Das Acqusition
08.2017 - 06.2019
FHA /Conventional underwriter
Freedom Mortgage
06.2015 - 07.2017
Non Qm Underwriter
Citadel Servicing Corporation
04.2013 - 04.2015
FHA Underwriter
Generation Reverse Mortgage Company
03.2009 - 02.2013
FHA/Conventional underwriter
Taylor, Bean& Whitaker
02.2006 - 03.2009
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