Summary
Overview
Work History
Education
Skills
Certification
Work Availability
Quote
Timeline
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Selina Chindiwo

Selina Chindiwo

Fort Worth,Texas

Summary

Talented Non QM Underwriter and Credit Analyst with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit bureau report reviews with more than 11 years of hands on experience in loan application analysis. Offers great time management and task prioritization skills while being extremely detail oriented. Focused on mitigating company risks while meeting profit goals by making strategic decisions.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Sr Mortgage-Underwriter

Athas Capital Group
03.2019 - 01.2023
  • Evaluate and manually underwrite mortgage loan files (purchases & Refinances for investment properties)
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Responsible for approving or denying clients mortgage loans according to relevant information being provided up to $2 million signing authority.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Developed and maintained relationships with investors to drive compliance with guidelines.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Processed loan applications and monitored progress from start to finish.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Successfully approved or denied 5-7 loan applications daily while completing required company issued checklists for each loan.
  • Issued the conditional approval or denial letter to borrowers, brokers and senior management.

Non-QM Due Diligence Underwriter

Consolidated Analytics
01.2017 - 02.2019
  • Analyzed borrowers credit profile,
  • Performed risk-based analysis and remediation for business and consumer accounts per banking guidelines.
  • Completed detailed analysis to detect patterns, trends, anomalies and schemes in transactions and relationships across multiple businesses and products.
  • Utilized Calyx Point software in conjunction with Lending QB to complete detailed, multi-paged narratives of investigation findings.
  • Used transactional and customer records, external data and publicly available information to identify suspicious or unusual activity.
  • Knowledge of restrictions for conventional and government insured loan programs for both conforming and non-conforming mortgages.
  • Identified any additional conditions as needed to ensure viable credit decision.
  • Researched and verified parties involved in suspicious activities and transactions against various databases such as LexisNexis and World-Check.
  • Calculated borrower income in order to determine DTI (debt to Income ratio).
  • Identified and researched patterns, trends and anomalies in transactional and customer data to detect and prevent suspicious activity related to money laundering and terrorist financing.

Loan Processor /Junior Underwriter

Genesis Lending
05.2012 - 12.2016
  • Advised loan officers to comply with loan guidelines and apply best practices.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Handled any conditions sent from underwriting departments.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Liaised with third party vendors to obtain VOR, VOM, VOD and followed up on VOEs both written and verbal.
  • Ordered appraisals through AMC's as well as pulled and reviewed FHA & VA loan files.
  • Explained very technical financial information to applicants in easy to understand language.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Assisted loan officers with origination and closing processes to Fastrack procedures and promote teamwork.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Self-prioritized and managed large pipeline by prioritizing specific loans based on order of receipt.
  • Managed over 50 calls per day which in turn increased loan turnovers by 25 %.

Education

Associate of Arts - Banking And Financial Support Services

Tarrant County College District
Fort Worth, TX
04.2021

Skills

  • Reading Comprehension
  • Desktop Underwriter
  • Complete Loan Applications
  • Microsoft Office
  • Debt-To-Income Ratios
  • Application Analysis
  • Complex Problem-Solving
  • Financial History Reviews
  • FHLMC Guidelines
  • Jumbo and Super Jumbo Loans
  • Banking Standards
  • Analytical and Critical Thinking
  • Foreign Nationals
  • Financial Document Review
  • Bank Secrecy Act
  • Calyx Point
  • Strategic Decision-Making
  • Credit Check Knowledge
  • Data Analysis
  • Desktop Underwriting Expertise
  • Appraisals

Certification

• Evaluating the Equal Credit Opportunity Act

• Fulfilling RESPA Requirements

• Getting to Know the Truth in Lending Act

• Homeowners Protection Act

• Implementing the Anti-Money Laundering

• Rules of the Bank Secrecy Act

• Introduction to Compliance Management

• Introduction to the Consumer Financial Protection Bureau

• Key to Information Security

• Practical Application of the Home Mortgage Disclosure Act

• Privacy in Mortgage Lending

• Recognizing the Impact of the SAFE Act of 2008

• Regulatory Compliance for Mortgage Lender

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Timeline

Sr Mortgage-Underwriter

Athas Capital Group
03.2019 - 01.2023

Non-QM Due Diligence Underwriter

Consolidated Analytics
01.2017 - 02.2019

Loan Processor /Junior Underwriter

Genesis Lending
05.2012 - 12.2016

Associate of Arts - Banking And Financial Support Services

Tarrant County College District

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Selina Chindiwo