Surfside Beach, SC
Highly competent in organization and time management. Able to think independently and resolve issues. Capable of building significant rapport with clientele. Well-versed in mortgage product guidelines for originating, processing, underwriting and closing. Working knowledge of AUS systems to include DU and LP. Working knowledge of investigation processes of loans for potential misrepresentation and fraud. Basic knowledge of secondary marketing, servicing and securitization.
Authorized to work in the US for any employer
February 2017 to April 2017
Mortgage Processor for conventional and portfolio loans. Reviewed title and insurance for closing loans. Processed files by FNMA/FHLMC and Investor Guidelines using Encompass system.
Genworth Contract Mortgage Underwriter
April 2015 to October 2016
Underwriter for Client Services of agency and Lender loans for conforming and non-conforming loans. Utilized agency and Investor guidelines. Followed FNMA and FHLMC guidelines as well as Investor guidelines. Met all turn times and maintained superior audit error ratio.
December 2014 to March 2015
Set up all files within 48 hours, including ordering all VOE’s VOR’s and all checklist including 4506T and SSN Checklists as well as file checklist for documents required. Assisting Loan Manager on daily basis. Order title and insurance binder for all files.
October 2011 to February 2013
Underwriter of agency and investor loans for conforming and non- conforming loans to meet Agency and Investor guidelines. Followed FNMA and FHLMC and client guidelines. Met queue requirements with 24 hour turn time and 7 decision loans per day.
Genworth Contract Underwriter
May 2010 to June 2011
Underwriter of agency and investor loans for conforming and non conforming loans to meet Mortgage Insurance Guidelines.
Genworth Contract Investigations Specialist
April 2008 to June 2010
Conducted in-depth investigations into all aspects surrounding the mortgage transaction to determine potential misrepresentation, including complete compliance review of Investor Underwriting guidelines. Determined if outside investigations were required and the appropriate disposition of file. Conducted follow-up with external vendors to ensure prompt turnaround of documentation and/or reports (PI reports, BPO, review appraisals) needed for completion of investigations review. Reviewed and responded to appeals/inquiries received on investigations files. Prepared internal and external communication regarding the investigations findings. Reviewed files for underwriting
Genworth Contract Underwriter
April 2007 to April 2008
Underwriter of agency and investor loans for conforming and non-conforming loans for multiple investors. Provided customer service to existing customer base of mortgage brokers and bankers, as well as internal customers. Responded to random quality control audits within 48 hours. Maintained superior audit error ratio.
Mortgage Loan Officer
May 2006 to April 2007
South Carolina licensed Mortgage Loan Originator. Advised real estate agents, builders and clients on loan products and guidelines to meet the needs of the mortgage transaction at hand. Worked with over 25 lenders in use of their products and programs within the wholesale lending market.
Contract Mortgage Underwriter Onsite
November 2001 to April 2006
Underwriter for wholesale mortgages utilizing AUS systems to include DU, LP, EMagic, Zippy and History Pro. Knowledgeable in FHLMC and FNMA guidelines. Extensive customer service contact with account executives and broker relationships.
Senior Credit Signer/Associate Underwriter
1992 to 2001
Associate Underwriter/Credit Signer for Retail Conventional Processing.
Reviewed credit, assets, income, and collateral documents to ensure conformity to specific guidelines. Obtained exceptions for non-saleable issues. Shifted to Commercial Conduit Department as a Loan Administrator. Performed thorough reviews of loan files. Verified credit policy guidelines to ensure all conditions of loan approval were met. Worked with closing attorneys to correct any legal deficiencies and/or recourse issues prior to pool securitization.
Loan Officer, Mortgage Processor, Processing Coordinator, Closer
1985 to 1992
B.A. in Interdisciplinary Studies