Teckla Condie

Supports the mortgage loan processing working closely with realtors, investors, closers, title, vendors and borrowers to ensure that the loan is processed accurately in a timely manner. • Underwrite, performs reviews and evaluations of information on mortgage loan documentation. • Performs detailed analysis of the applicant’s income and credit to determine risk probability. • Ensures that loan documents are accurate, complete and sufficient to clear all conditions for final loan approval. • Review initial packages from bankers and lenders for completeness. • Identifying and recommending alternatives regarding loan structure and financing. • Calculates income and verify employment • Analyze documentation such as W2s, pay stubs, bank statements and credit reports for mortgage loan applications and for tax preparation purposes. • Extensive knowledge of personal and business tax preparation using forms 1040, 1065,1020 schedule C and other necessary forms. • Comprehensive evaluations of complex loan applications while meeting and exceeding the company daily goals. • Maintains a high level of integrity and quality customer care.

• Review credit and appraisals to determine if property meets underwriting guidelines. • Review loan files for accuracy and completeness. • Verified loan documents such as income and assets, purchase contracts, tittle commitments, tax returns, verification of employment and other aspects •Send conditional approval notices, and follow up to clear conditions to full approval. • Submitted loan to closing

• Processed FHA, VA and Conventional loans. • Verified loans that were submitted via company website for completeness. • Conducted client interviews to establish loan type, eligibility, credit worthiness and ability to repay. • Submitted and managed third party verifications such as employment, identity, income and property. • Reviewed and verified documents for accuracy and compliance. • Assisted the Underwriting team with reviewing and evaluation of loan packages. • Certified assets, credit, appraisals and title for closing.