I have 10+ Years of combined consumer & mortgage processing and underwriting experience. I am able to accurately identify loan programs and the corresponding guidelines. Able to suggest an appropriate a counteroffer to the client or loan officer if needed. Experienced with government and conventional loans as well as QM, Non-QM and investor loans. Able to accurately calculate LTV/CLTV, DTI, income, assets. Able to review credit reports, title and appraisals for accuracy and any potential red flags. Extensive AUS experience. Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.