SONIA ROMAIH
Tempe
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with all customers, including high net worth borrowers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
14
14
years of professional experience
1
1
Certification
Work History
KYC Analyst and Composer
JP Morgan Chase
Tempe
12.2023 - 12.2024
- Conduct thorough Know Your Customer (KYC) reviews focused on Private Equity Funds, Hedge Funds, REITs, and SPV NOAHs, emphasizing High-Net-Worth Individuals and Politically Exposed Persons (PEPs).
- Verify and validate customer information to ensure compliance with anti-money laundering (AML) regulations.
- Generate comprehensive reports detailing KYC findings and risk assessments.
- Collaborate with internal teams to resolve KYC-related issues and enhance compliance processes.
Quality Assurance Auditor IV
US Bank/MUFG Union Bank
Tempe
06.2020 - 04.2023
- Performed audits and re-underwrites on residential and consumer mortgage loans, ensuring adherence to bank, regulatory, and investor guidelines.
- Conducted risk assessments by analyzing pay stubs, W-2s, tax returns, and appraisals, ensuring income and valuation accuracy.
- Documented audit findings in QA databases; maintained logs to meet departmental requirements.
Consumer Loan Underwriter-4 (NMLSR 1552248)
Wells Fargo Home Mortgage
Tempe
12.2019 - 06.2020
- Evaluated and approved consumer loan requests, ensuring compliance with company and industry guidelines.
- Reviewed documentation for completeness and accuracy.
Student Loan Underwriter
Ascent Student Loans
San Diego
08.2018 - 11.2019
- Underwrote student loan applications across three separate programs according to investor guidelines.
- Maintained up-to-date knowledge of compliance regulations and consumer rights agencies.
Consumer Loan Underwriter-4 (NMLSR 1552248)
Wells Fargo Home Mortgage
San Diego
09.2010 - 03.2018
- Led underwriting for the Home Affordable Refinance Program (HARP) and provided second-level reviews for loss mitigation loans.
- Monitored team performance using reports and facilitated loan modification for borrowers.
- Served as a Subject Matter Expert, mentoring team members, and implementing process flows to enhance decision-making in mortgage loan modifications.
Skills
- Mortgage lending expertise
- Regulatory compliance knowledge
- Risk management strategies
- Team leadership and training
- Quality assurance practices
- Effective communication and reporting
Certification
NMLS License No. 1552248
Timeline
KYC Analyst and Composer
JP Morgan Chase
12.2023 - 12.2024
Quality Assurance Auditor IV
US Bank/MUFG Union Bank
06.2020 - 04.2023
Consumer Loan Underwriter-4 (NMLSR 1552248)
Wells Fargo Home Mortgage
12.2019 - 06.2020
Student Loan Underwriter
Ascent Student Loans
08.2018 - 11.2019
Consumer Loan Underwriter-4 (NMLSR 1552248)
Wells Fargo Home Mortgage
09.2010 - 03.2018
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