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Director of Partnerships Resume
Yolanda
US-California-Oakland/East Bay
Sr. Underwriter
Credit Analyst
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s: Encompass/Point, AUS (MMMC), Empower & DU (Green Point), Unify LS (IHE), LPS (WFHM)
Software: Microsoft Office (Access, Excel, Word, and PowerPoint), Outlook
Languages: Bi-lingual (English/Spanish)
Operating Systems: Windows 95, 98, NT/2000, XP,
EXPERIENCE
Mason McDuffie Mortgage Corp, San Ramon, CA 02/2007 to 08/2007
Wholesale & Correspondent Sr. Underwriter
· Underwrite prime and sub prime loans based on different investor’s guidelines.
· Sign off on loan stipulations e.g. appraisals, income documentation, property documentation, etc.
· Conducted different types of research when needed to prevent and/or minimize the approval of fraudulent applications.
· Performed verification of employment, credit, and assets.
GreenPoint Mortgage, Pleasanton, CA 01/2006 to 5/30/06
Wholesale Senior Underwriter
· Underwrite mortgage loans, review, and evaluate their qualifications based on company guidelines and government regulation to reduce financial risks.
· Analyzing credit reports, appraisals, income documentation and loan applications, and make the final credit decision.
Wells Fargo Home Mortgage, Concord, CA 7/2005 to 01/2006
Wholesale Sub-Prime Underwriter
· Conduct an analysis of mortgage loan applications to evaluate their qualifications based on company guidelines and government regulation to reduce financial risks.
· Responsible for making credit decisions by analyzing credit reports, appraisals, income documentation, and loan applications.
· Familiar with different type of loan products/programs such as Stated Income, Personal/Business
Bank Statements, etc.
· Daily contact over the phone with Brokers and Account Representatives.
Irwin Home Equity, San Ramon, CA 3/2003 to 7/2005
Wholesale Underwriter
· Conduct an analysis of mortgage loan applications (first and second loan mortgage products) to evaluate their qualifications based on company and government regulation.
· Responsible for setting the rate of the loan, review credit reports, calculating income and review appraisals.
· Review critical loan conditions.
· Assisting managers by preparing production reports.
· Assuming other employees responsibilities in case of their absence.
· Worked with customers/brokers to collect information, documentation and resolve any outstanding issues.
Irwin Home Equity, San Ramon, CA 12/2000 to 3/2003
Junior Underwriter/ Loan Processor
· Review of first and second mortgage loan documentation
· Collecting and reviewing all the non critical stipulations, including but not limited to titles policies, credit reports, and loan application.
· Responsible for sending the approvals and making arrangements for signing loan documents.
Irwin Home Equity, San Ramon, CA 8/2000 to 12/2000
Funder
· Responsible for auditing loan documents.
· Closing loans and disbursing wires.
· Daily phone contact with borrowers & Title Company.
Irwin Home Equity, San Ramon, CA 6/2000 to 8/2000
Loan Closer/Doc Drawer
· Responsible for preparing loan documents based on state laws and company guidelines.
· Verifying escrow and lender’s fees.
· Collaborating with title company and notaries
First Collateral, Concord, CA 12/1999 to 6/2000
Pay down Representative
· Communicating with investors to obtain wiring information.
· Responsible for processing wires to payoff mortgage notes.
· Processing interest and fees accrued monthly, balance reports.
First Collateral, Concord, CA 07/1997 to 12/1999
Collateral Control Clerk
· Responsible for preparing, endorsing mortgage notes and shipping loan packages to different investors.
· In charge of downloading and formatting reports from FEDEX, UPS, and Airborne databases.
EDUCATION
Certified Tax Preparer (1/08)
Life Insurance Agent License (12/06)
Fire & Casualty Broker/Agent license (9/06)
Bachelor of Business Management: Saint Mary’s College, Moraga, CA (7/05)
Certificate: Closing, Shipping & Warehousing
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