Senior Mortgage Insurance Underwriter Resumes in US-California: Patti

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Staff Officer - Program Manager Resume

Senior Mortgage Insurance Underwriter Resume

Contact Candidate

Name:

Patti

Location:

US-California

Experience:

Willing to Relocate:

Willing to Travel:

Most Recent Job Title:

Senior Mortgage Insurance Underwriter

Personal Website:

Objective:

Motivated, dependable Mortgage professional with 18+ years experience in the Banking/Lending industry. Conduct borrower’s risk evaluation and profile, underwriting loans in accordance with investor and corporate guidelines. Proven abilities in:

· Managing, training, directing and mentoring staff and managing workflow to obtain desired goals
· Verbal and written communication including listening, negotiating and presenting ideas
· Helping others through the development of training and support materials to increase knowledge and skill levels

Resume Text:

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lated to the granting of credit
· Underwrote Appraisals, analyzed business & personal tax returns, made alternate risk recommendations
·
The Bohan Group, Irvine CA 2006-present
Due-Diligence Loan Underwriter
Due diligence and compliance underwriter for a large variety of mortgage loans from various financial institutions including conforming, non-conforming, Alt-A and sub-prime loans in accordance with government and private investor guidelines
· Performs quality control checks on all loans ensuring correct grading and compliance with investor guidelines
· Reviews credit documentation for completeness and accuracy
· Identifies portfolio risks resulting from client’s underlying business practices, underwriting and/or fraud exposure
BNC Mortgage/Lehman Bank, San Diego CA 2004-2006
Senior Loan Underwriter
Determined the credit worthiness and repayment abilities of high risk/complex sub-prime loans for Nationwide Sub-Prime Lender, ensuring compliance with applicable credit guidelines within acceptable lender risk.

· Reworked loans to new terms, identified additional conditions as needed to insure a sound/favorable Credit decision
· Analyzed credit reports, analyzed appraisals, title and associated documentation
· Identified fraudulent loan documentation greatly reducing the company's delinquency rate/1st payment defaults

Radian Guaranty, San Diego CA 2001-2004
Senior MI Underwriter
Provided comprehensive and diligent analysis of complex loan transactions to assess borrower’s credit worthiness while ensuring administrative and operational compliance with regulatory and lender policies and procedures. Specialized in prime/sub-prime mortgage products and services to the conforming and non-conforming market. High volume Wholesale broker, Retail Customers and Loan Consultants interaction.

· Acted as a mentor and reference source to other staff members, communicated frequently with the Operations/Team Managers to share information, identified training needs for junior staff members & complete special projects
· Accountable for evaluating complex underwriting files, approving files within a designated scope of authority, and working with Risk Management on high risk/profile loan packages.
· Experienced with jumbo/super jumbo & Affordable Housing products & programs/DU/DO/LP

Home Savings of America/Washington Mutual, Industry, CA 1997-2000
Loan Underwriter
Handled complex underwriting transactions to determine borrowers risk profile through credit and financial analysis, ensuring loans are of investment quality and in conformance within corporate guidelines. Underwriting performed in a paperless environment, on the company’s artificial intelligence computerized system.

· Improved team efficiency by obtaining loan decisions through effective time management increasing productivity. Team rated #1 in the entire nation.
· Created and implemented motivational ideas to improve team morale during the course of company’s acquisition Ensuring a positive and productive work environment
· Mentored and trained underwriting associates on analization of tax returns, financial statements, government, investor and corporate guidelines to encourage independence and opportunity for promotion

Loan Administration Network, Newport Beach, CA 1991-1997
The Matrix Group, Las Vegas, NV
Mortgage Bankers Consultants, Dallas, TX
Outside Contractor/ Consultant
Furnished contract services in various areas of expertise to multiple, nationwide wholesale and retail mortgage lenders. Provided underwriting, processing, due-diligence audits and funding functions for FHA, VA, Conventional and Sub-Prime loans. Experienced in Construction Lending and Title l/ll disbursements.

· Implemented loan tracking reports to ensure the timely receipt of final loan documentation and that loans were properly audited to meet investor loan pools.
· Reduced a large inventory of un-insured government loans by over 75% by designing and implementing customer correspondence letters, checklist, flow charts, etc. Trained staff to reduce pricing and loan package inaccuracies.
· Created training materials to streamline preparation of construction loan additional advances, extensions and rollover documentation
· Promoted to department manager for FHA/VA/investor shipping and insuring divisions.

Empbanque Capital Corp., Schaumburg, IL 1989-1991
Underwriter/Loan Processor (1990-1991)
Performed all aspects of underwriting and processing for conventional and government loan products, verifying loans for completeness, accuracy and compliance.

· Increased production by over 50% by implementing systems that improved the application to close process
· Actively participated in customer communication and education to ensure product knowledge & guidelines

Closing Department Manager (1989-1990)
Oversaw all departmental and training functions for nationwide mortgage company, including: quality control, loan conformance, shipping/insuring, credit package re-certification and delegation of tasks to insure timely loan closings.

EDUCATION & PROFESSIONAL DEVELOPMENT

Associate of Science - College of Lake County, Grayslake, IL
Certificate in Real Estate Law/Series 7 License Training- American Institute of Banking, Chicago, IL

Guice_patti@yahoo.com

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