Summary
Overview
Work History
Education
Skills
Timeline
Generic

AMINDE ATEMBELEFAC

The Colony,TX

Summary

Mortgage underwriter /loan processor with 3 years of experience. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on valid information provided. Expertise in conventional loans and knowledgeable on FHA and VA loans. In-depth knowledge of FHMA/FHLMC underwriting guidelines. Expert in quality assurance, assessing borrower's financial strength/creditworthiness, income/credit analysis application processing, risk management, and documentation. Organized, critical thinker, effective communicator, detail-oriented, and team player/leader.

Overview

6
6
years of professional experience

Work History

MORTGAGE UNDERWRITER

SCHMIDT MORTGAGE COMPANY
01.2018 - 11.2019
  • Requested and reviewed conditions to ensure compliance with Agency guidelines.
  • Thoroughly reviewed borrower's credit, income, asset, and property to determine risk and Evaluated borrower's repayment ability in order to render a credit decision.
  • Conducted and ensured that appropriate fraud Prevention measures have been taken Determined and Communicated final credit decision and/or counter offer solutions to Loan Officer Solid understanding of Investor guidelines and policy requirements Manages assigned pipeline and ensures proper follow up Solid understanding of Investor guidelines and policy requirements Managed assigned pipeline and ensures proper follow up.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.

MORTGAGE UNDERWRITER

FIRST OHIO HOME FINANCE, INC
12.2019 - 09.2020
  • Reviewed credit reports determining approval eligibility.
  • Determined qualifying income by analyzing tax returns of Sole Proprietorships, LLC's and S-Corps.
  • Responsible for reviewing all areas of the mortgage loan file to ensure accuracy, completeness, and compliance with internal and regulatory guidelines, including but not limited to Application(1003), Title, Appraisal, Assets, Credit, Condominium information, and income.
  • Analyzed income documents such as pay stubs and W-2's for authenticity.
  • Calculated debt to income ratios from financial statements, determining loan eligibility.
  • Evaluated overall loan documents for accuracy, completeness, and compliance, ensuring loan was marketable.
  • Performed appraisal reviews Updated system of record when required.
  • Reviewed and validated income, asset, credit, title, value, and fraud reports.
  • Ensured all required property information were in the system.
  • Ran and interpreted DU/LP when applicable.
  • Document system with all dates and information.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

LOAN PROCESSOR

SCHMIDT MORTGAGE COMPANY
10.2020 - Current
  • Created document checklists according to the type of modification consideration; Responded appropriately to internal or other 3rd party inquiries.
  • Gathered documents for the loan modification process which included credit report updates, appraisals, income tax returns, and asset verifications.
  • Communicated with UW to request additional documents; analyzed requests to determine appropriate courses of action and steps required.
  • Assisted home buyers with gathering the proper documentation for loan approval.
  • Ensured the privacy and security of a customer’s files every step of the way.
  • Made recommendations for alternate actions as allowed and needed.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.

Education

Associate of Arts - Accounting And Business Management

Grand Rapids Community College
Grand Rapids, MI
05.2022

Skills

  • FHLMC Guidelines
  • Organized and determined
  • Proficient in Microsoft Office, Outlook
  • Mortgage Loan Applications/Software (Encompass 360)
  • Proficient in utilizing LOS systems and AUS systems (DU/LP)
  • Effective written and verbal communicator
  • DTI
  • LTV (CTLV&HLTV)
  • Lending and underwriting guidelines(Fannie Mae and Freddie Mac)

Timeline

LOAN PROCESSOR

SCHMIDT MORTGAGE COMPANY
10.2020 - Current

MORTGAGE UNDERWRITER

FIRST OHIO HOME FINANCE, INC
12.2019 - 09.2020

MORTGAGE UNDERWRITER

SCHMIDT MORTGAGE COMPANY
01.2018 - 11.2019

Associate of Arts - Accounting And Business Management

Grand Rapids Community College

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