Mortgage underwriter Resumes in US-Texas-Houston: Carmen

Mortgage underwriter Resume

Contact Candidate

Name:

Carmen

Location:

US-Texas-Houston

Experience:

Willing to Relocate:

Willing to Travel:

Most Recent Job Title:

Mortgage underwriter

Personal Website:

Objective:

To apply my knowledge in Mortgage Underwriting, available to travel and work a few days or over 5 days at a time

Resume Text:

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etermining whether the loan meets all the lender’s criteria.
To extend every effort to apply a common sense approach to each case to avoid material findings and/or deficiencies.

Clayton Mortgage. San Juan, Puerto Rico 08/06 05/07
Underwriter/Trainer (Contractual)
New project with the Hispanic Market where we audited loans to be sold on the secondary market. Responsible for the in-depth training of
48 processors for 6 months and 15 underwriters for 3 months to Underwrite all loans products and types to ensure adherence with the appropriate investor guidelines

Houston Champions Real Estate Co. Houston TX 01/06 07/06
Real Estate Agent
Understand and interpret property appraisals, title, sales contracts and other associated Real Estate documents and services.

Contemporary Services (Wells Fargo Home Mortgage)
Level 1 Decisioner/Underwriter (Contractual).Frederick MD 05/05 12/05
Responsible to consider all aspects of the loan to ensure it is of investment quality and determining whether the loan meets all the lender’s criteria.
To extend every effort to apply a common sense approach to each case to avoid material findings and/or deficiencies.
Responsible to ensure appropriate information is obtained to complete loan package to ensure accuracy, completeness and compliance with Conventional guidelines with Seconds, Arm’s, Interest Only, Alt A, Fixed, Buy Downs.

Morrison Financial Services Houston TX 08/04 04/05.
(Joint venture with Wells Fargo Home Mortgage)
Level 1 Decisioner/Underwriter/Trainer.
Responsible for the analysis of submitted file on Capital, Credit, Collateral, to meet guidelines.
Mentor and coach co-workers proactively and as needed. Achieved goals on timely mortgage approvals for Home Loan Consultants. Stayed abreast of any changes in loan underwriting provisions on Buy Downs, Fixed, Arm’s, Interest Only, Alt A, and Seconds, for new construction properties and condominiums

Contemporary Services. Phoenix AZ. / Walnut Creek CA.
(Wells Fargo Home Mortgage) 03/03 to 06/04
Processor / Closer / Trainer / Underwriter (Contractual)
Responsible for obtaining all documentation for the approval of new closings. Completed data input on LIS and LPS Systems. Processed, Con., Non-Conventional, VA, FHA, Jumbo, Refinancing, Trust. Whosale and Retail Loan experience, reviewed documents for legalities and accuracy.
Mentor for co-workers on underwriting issues. Reviewed loan-to-value ratio, credit reports, applications, title, and appraisals to meet company standards.

Wells Fargo Home Mortgage. Houston TX. 06/01 to 02/03
Processor/Underwriting level 1.
Process over a pipeline of 100 loans, confirmed accuracy of underwriting conditions and ensure timely delivery of loan documentation, CONV./ FHA/ VA. Loans Underwriter level 1 (A paper) all single-family residential loans focused on compliance concerns to help reduce material findings for the MAP
Branch Manager Assistant/Loan Officer/Trainer. Houston TX. 03/00 to 06/01
Responsibilities included gathering all the correct and accurate information from the borrower, duties also included reviewed and analyzed Title, Sales contract, survey, and products to meet guidelines to be in compliance once a loan was submitted to the processing department.
Processor. Houston TX. 3/99 to 1/00
Responsible for a pipeline of over 130 files on LIS to meet deadlines for a smooth and efficient manner for all parties, identify potentially fraudulent information, performed as a level 1 Underwriter.

Countrywide Home Loans. Houston TX. 4/98 to 2/99
Processor / Closer / Funding.
Responsible for the processing, closing and funding of at least 25 loans a month, solved any deficiencies in a timely manner
Assisted Branch Manager to pre-qualify all the Hispanic Clientele and Handle their loans from the Application to Funding

Suzanne Anderson Properties Houston TX. 7/93 to 3/99
Realtor
Helped Manager with all Commercial and Residential Real Estate Closings.
Served as a liaison for my clients with Lenders, Title Companies, Insurance Agents, Appraisers and Listing Agents.

EDUCATION:
Several
Leonard’s Real Estate School. Houston TX.
(Real Estate License)
San Antonio College, San Antonio TX.
(Small Business Administration)
College of Bachilleres, Mexico City
(Hotel Management)

Attended several courses on Compliance and Quality Control, FHA, VA, Conventional, Non-Conforming, Sub-prime, Appraisal, Title/survey/Escrow, and Costumer Service

SKILLS:
LIS LPS APPTAKER DU/LP
NCYCLOPEDIA FHA ON LINE MORTGAGE WAREAS400
EDGE CONTEMPO PUBLISHER 98 WORD 6.1
GENESIS ALLTEL ACT WINDOWS XP
FLUENT IN SPANISH

REFERCES:
Ann Sobczyk 402 – 536-2961 POM
Laurie Lallinger 713 – 316-5313 Underwriter/Trainer
Pino Chiappetta 925 – 288-7962 Closing Docs Supervisor
Cristina Cassidy 301 – 696-7949 Builder POM II

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