Trinette Marshall
Fullerton,CA
Summary
Experienced professional with 23 years in the mortgage industry, encompassing funding, processing, and underwriting. Seeking a stable position in a growing company that provides opportunities for growth and learning. Utilize strong customer service and organizational skills to effectively contribute. Eager to apply expertise and tackle new challenges.
Overview
20
20
years of professional experience
Work History
DE/FHA/VA Underwriter
PacBay Lending Group
02.2018 - Current
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that the PacBay Encompass 360 is updated and contains all appropriate and necessary fields
- Independently draft all approvals with outstanding conditions that must be met
- Proficient in LP/DU/DO and Investor tracking websites
- Keeps updated on mortgage changes and training by taking several webinars that are offered by the company and company affiliates.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Learned and adapted quickly to new technology and software applications.
- Identified issues, analyzed information and provided solutions to problems.
- Managed time efficiently in order to complete all tasks within deadlines.
DE/FHA/VA Underwriter
American Financial Network
07.2016 - 02.2018
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that the American Financial Networks System Encompass 360 is updated and contains all appropriate and necessary fields
- Independently draft all approvals with outstanding conditions that must be met
- Proficient in LP/DU/DO and Investor tracking websites
- Keeps updated on mortgage changes and training by taking several webinars that are offered by the company and company affiliates.
DE/FHA Underwriter
OGI Mortgage Bankers
02.2015 - 06.2016
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that the LendingQB is updated and contains all appropriate and necessary fields
- Independently draft all approvals with outstanding conditions that must be met
- Proficient in LP/DU/DO and Investor tracking websites
- Keeps updated on mortgage changes and training by taking several webinars that are offered by the company and company affiliates.
DE/FHA/VA Underwriter
American Financial Network
12.2012 - 01.2015
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that the American Financial Networks System Encompass 360 is updated and contains all appropriate and necessary fields
- Independently draft all approvals with outstanding conditions that must be met
- Proficient in LP/DU/DO and Investor tracking websites
- Keeps updated on mortgage changes and training by taking several webinars that are offered by the company and company affiliates.
DE/FHA Underwriter
Affiliated Funding Corporation
07.2012 - 12.2012
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that Affiliated Funding Corp
- Prolender System is updated and contain all appropriate and necessary fields are completed
- Independently draft all approvals with outstanding conditions that must be met.
Sr. Loan Processor
American Financial Network (Direct Lender)
09.2011 - 07.2012
- Verifying, complying and sorting information for mortgage loans
- Primary function to ensure the timely and accurate packaging of all loans originated by loan officers
- Responsibilities include: Gather information and take each file from pre-approval to closing, reviewing the credit reports of the mortgage buyer along with verifying the borrower's credit history in terms of debts and payments and notify loan officer of any issues that may be
- Input proper loan information into the system for processing and submitting for approval
- Responsible for ensuring that all loan documentation is complete and accurate, verified, and complies with company policy and meets loan program guidelines
- Request items from borrowers, update status to loan officers, managers and Real Estate Agents
- Order appraisal using the AMC systems
- Disclose and re-disclose files per change of circumstance, ensure all files are RESPA compliant.
DE/FHA Underwriter
Majestic Home Loan (Direct Lender)
05.2010 - 09.2011
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that the Majestic Home Loans MTrac System and Calyx/Point System are updated and contain all appropriate and necessary fields
- Independently draft all approvals with outstanding conditions that must be met
- Proficient in Calyx/Point, LP/DU/DO and Investor tracking websites
- Experience with the following loan classifications: Conventional, FHA, Homepath, VA, new construction, purchases and refinances.
Sr. Loan Processor/Retail Branch
Directors Financial Corp.
01.2007 - 05.2010
- Quickly obtained and facilitated loan approvals for qualified applicants by correlating customer needs with various lender loan programs
- Independently managed the status of numerous loans ranging from the conversion of raw data into industry-wide software templates to the close of escrow
- Expedited the following loan classifications: conventional, FHA, Homepath, VA, USDA, new construction, purchases, and refinances
- Proficient in Calyx/Point, LP/DU and several other specialized on-line lender automated approval systems
- FHA connection, VA portal etc.
Correspondent Underwriter
Dove Capital Corporation
03.2004 - 12.2006
- Independently responsible for the timely underwriting of various loan applications via detailed evaluation in an effort to maximize organizational profit and minimize risk of loss
- Acutely review all loan documentation to verify accuracy of information and prevent fraud
- Manage all automated underwriting approvals, govern credit reports, and lock-in appropriate interest rates
- Ensure that the Dove Capital Corporation DataTrac system and Point System is updated and contains all appropriate and necessary fields
- Independently draft all approvals with outstanding conditions that must be met
- Proficient in Calyx/Point, LP/DU and several other specialized on-line lender automated approval systems.
Education
General Studies
RIVERSIDE COMUNITY COLLEGE
Riverside, CASkills
- Advance level in MS office,Word,Excel; Strong reading, writing, and verbal skills; System used: Lending Pad,Calyx Point, Encompass, DO/DU, LP, Doc Magic, Datatrac/Webtrac, Prolender; Knowledge of Agency and Non Agency loan products: Convential Fannie and Freddie, Gov't, FHA,VA, Homepath, Downpayment assistance, Jumbo loans; Knowledge of current RESPA guidelines; Knowledge of many investor overlays
- DE and SAR certified
- Credit analysis
- Relationship Building
References
All references will be made available upon request.
Timeline
DE/FHA/VA Underwriter
PacBay Lending Group
02.2018 - Current
DE/FHA/VA Underwriter
American Financial Network
07.2016 - 02.2018
DE/FHA Underwriter
OGI Mortgage Bankers
02.2015 - 06.2016
DE/FHA/VA Underwriter
American Financial Network
12.2012 - 01.2015
DE/FHA Underwriter
Affiliated Funding Corporation
07.2012 - 12.2012
Sr. Loan Processor
American Financial Network (Direct Lender)
09.2011 - 07.2012
DE/FHA Underwriter
Majestic Home Loan (Direct Lender)
05.2010 - 09.2011
Sr. Loan Processor/Retail Branch
Directors Financial Corp.
01.2007 - 05.2010
Correspondent Underwriter
Dove Capital Corporation
03.2004 - 12.2006
General Studies
RIVERSIDE COMUNITY COLLEGE
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