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. DE and LAPP Certified.
Overview
30
30
years of professional experience
Work History
Mortgage Underwriter
IDEAL LENDING LLC
2023.10 - 2024.03
Improved loan approval rates by meticulously reviewing and verifying application documentation.
Reduced processing time for mortgage applications through diligent management of underwriting tasks.
Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
Underwriter
IDEAL LENDING, a Division of AMERICAN FINANCIAL NETWORK
2019.05 - 2023.09
Manage a pipeline with an average of 40-50 files, reviewing DU and LP in compliance with multiple investors for Conventional, FHA and VA guidelines.
Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Underwriter
US MORTGAGE OF FLORIDA
2017.03 - 2019.05
Managing a pipeline with an average of 40-50 files, reviewing DU and LP in compliance with multiple investors for Conventional, FHA and VA guidelines
Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
Senior Underwriter
AMERICAN FINANCIAL NETWORK
2015.11 - 2017.02
Managed a pipeline with an average of 40-50 files, reviewing DU and LP in compliance with multiple investors for Conventional, FHA and VA guidelines.
Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
Streamlined underwriting processes for increased efficiency and faster turnaround times.
Implemented continuous improvement initiatives in the underwriting department, driving operational excellence across the team.
Participated in industry conferences and seminars to stay informed about the latest trends, regulatory changes, and best practices in underwriting.
Underwriter II
DIGITAL RISK
2013.07 - 2015.10
Managing a pipeline with an average of 70 files
Working as a team to meet the Closing deadlines
Analyzing Appraisals, Calculating income and verifying assets
Review CLUES reports or LP
Handled review of files that were in suspense to ensure that the file had the ability to be approved with supporting documentation and according to product guidelines
Follow up with title companies, insurance companies, loan officers and processors etc
Developed and maintained underwriting/customer portfolio consistent with the lender guidelines for credit quality or insurer standard
Up to date with all FHA and VA guidelines and trainings
Consistently exceeding target goals of over 40 loan closings per month for Bank of America Client.
Senior Loan Processor/ Implementation Specialist
WCS Lending LLC
2013.02 - 2013.07
Reviewing conditions when files have been suspended
Using systematic communication to improve problem solving
Delegated between underwriters and brokers
Working as a team to meet the financial goals
Assigning files, reviewing queue's and conditions for underwriting along with training underwriting in Fusion and Calyx
Implementation and training manuals for LoanQuest and how to underwrite a file using Calyx, MGIC, Radian, Fraudguard and Fusion
Analyzing Appraisals, income, assets, and application
Producing reports on current volume/conditions.
Underwriter FHA/Conventional
K HOVNANIAN MORTGAGE
2002.12 - 2008.07
Combined position of processor and underwriter
Developed and maintained underwriting/customer portfolio consistent with the lender guidelines for credit quality and investor or insurer standards
Selling the banks financial products utilizing business ethics
Managed a pipeline of 60 loans for California division
Analyzing Appraisals, income, assets and applications
FHA/Conventional underwriting to lender specific guidelines
Handled file from initiation to closing
Producing reports on current volume/conditions pending.
AVP- Loan Administration Officer
POINTE BANK
1999.03 - 2002.11
Prepared reports presented to Board of Directors for commercial loan approval
Processed and underwrote conventional and consumer loans from inception to funding.
Underwriter
ENTRUST HOME FINANCING
1994.01 - 1999.02
Promoted to Underwriter from a Senior Loan Processor position working with a builder in the Maryland/Virginia area
Managed a pipeline of 70 files per month
Processed incoming files for FHA, VA, Conventional and Subprime loans
Analyzed Appraisal, income and asset documentation.
Education
High School Diploma -
Atlantic High School
Delray Beach, FL
05.1983
Skills
Analyzing data
Caseload Management
Risk Mitigation
Policy renewal
Quality Assurance
Underwriting guidelines
Relationship Building
Risk Management
References
REFERENCES UPON REQUEST
Timeline
Mortgage Underwriter
IDEAL LENDING LLC
2023.10 - 2024.03
Underwriter
IDEAL LENDING, a Division of AMERICAN FINANCIAL NETWORK
2019.05 - 2023.09
Underwriter
US MORTGAGE OF FLORIDA
2017.03 - 2019.05
Senior Underwriter
AMERICAN FINANCIAL NETWORK
2015.11 - 2017.02
Underwriter II
DIGITAL RISK
2013.07 - 2015.10
Senior Loan Processor/ Implementation Specialist
WCS Lending LLC
2013.02 - 2013.07
Underwriter FHA/Conventional
K HOVNANIAN MORTGAGE
2002.12 - 2008.07
AVP- Loan Administration Officer
POINTE BANK
1999.03 - 2002.11
Underwriter
ENTRUST HOME FINANCING
1994.01 - 1999.02
High School Diploma -
Atlantic High School
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