RAFAELA NEGRON
Belleville,N.J.
Summary
Highly productive, bilingual in Spanish, independent Mortgage Underwriter who has successfully demonstrated skills in sales, underwriting, marketing, conducting professional seminars, training sessions, and one-on-one pair meetings. Reliable, professional, enthusiastic, action-oriented individual who is looking for a new opportunity where these skills can be utilized to the advantage of a company’s growth.
Overview
15
15
years of professional experience
1
1
Certification
Work History
FHA DE Mortgage Underwriter 40 Hours Per Week
Homebridge Financial Services, Dba REMN
02.2015 - 07.2022
- Did corporate tax return reviews, and made decisions after a detailed underwriting analysis
- Cleared funding tasks and conditions
- Resolved any issues that arose at closing.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Underwrote new loans and signed off on conditions
FHA DE Mortgage Underwriter 40 Hours Per Week
Bank of America
11.2010 - 12.2014
- Underwrote and reviewed appraisals
- Used Fannie Mae and Freddie Mac guidelines
- Used both LP, and DU assisted underwriting
- Used internal underwriting along with desk top underwriting and LP underwriting
- Worked directly with loan officers restructuring conventional loans as needed
- Did corporate tax return reviews, and made decisions after a detailed underwriting analysis
- Underwrote loan modifications.
FHA DE Mortgage Underwriter 40 Hours Per Week
Weichert
08.2010 - 11.2010
- Underwrote and reviewed appraisals
- Used Fannie Mae and Freddie Mac guidelines
- Used both LP, and DU assisted underwriting
- Used internal underwriting along with desk top underwriting and LP underwriting
- Worked directly with loan officers restructuring conventional loans as needed
- Did corporate tax return reviews, and made decisions after a detailed underwriting analysis.
FHA DE Mortgage Underwriter 40 Hours Per Week
JP Morgan Chase
03.2008 - 08.2010
- Underwrote and reviewed appraisals
- Used Fannie Mae and Freddie Mac guidelines
- Used both LP, and DU assisted underwriting
- Used internal underwriting along with desk top underwriting and LP underwriting
- Worked directly with loan officers restructuring conventional loans as needed
- Did corporate tax return reviews, and made decisions after a detailed underwriting analysis.
FHA DE Mortgage Underwriter 40 Hours Per Week
American Financial Resources
10.2007 - 03.2008
- Underwrote and reviewed appraisals
- Used Fannie Mae and Freddie Mac guidelines
- Used both LP, and DU assisted underwriting
- Used internal underwriting along with desk top underwriting and LP underwriting
- Worked directly with loan officers restructuring conventional loans as needed
- Did corporate tax return reviews, and made decisions after a detailed underwriting analysis
- Underwrote wholesale loans working directly with brokers and restructuring loans as needed.
Education
High School Diploma -
Elizabeth High
Elizabeth, New Jersey06.1983
Skills
- Ability to prioritize and organize functions on daily basis
- Strong interpersonal and communication skills
- Familiar with fraud detection techniques, lending guidelines, mortgage industry, and loan renegotiating experience analyzing, reviewing, and underwriting complex or large individual consumer requests
- DU/LP system
- Knowing Office Package: Microsoft Word, Microsoft Excel, Microsoft Access, Microsoft PowerPoint and Microsoft Outlook Express
- Bilingual - Spanish speaking
- Mortgage Loan Underwriting
- FHA
- Conventional Loan
- VA
- Wholesale underwriting
- Reviewing Financial Statements
- HUD-1 Settlements
Certification
Registered Loan Officer NMLS# 481229
New Jersey Notary
Timeline
FHA DE Mortgage Underwriter 40 Hours Per Week
Homebridge Financial Services, Dba REMN
02.2015 - 07.2022
FHA DE Mortgage Underwriter 40 Hours Per Week
Bank of America
11.2010 - 12.2014
FHA DE Mortgage Underwriter 40 Hours Per Week
Weichert
08.2010 - 11.2010
FHA DE Mortgage Underwriter 40 Hours Per Week
JP Morgan Chase
03.2008 - 08.2010
FHA DE Mortgage Underwriter 40 Hours Per Week
American Financial Resources
10.2007 - 03.2008
High School Diploma -
Elizabeth High
Registered Loan Officer NMLS# 481229
New Jersey Notary
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