~ Dedicated, results-focused and bilingual (English and Spanish) Mortgage Industry Specialist eager to contribute exceptional administrative and customer relations expertise toward supporting the employer in achieving objectives. ~

 

 

• Excel in the complete loan process from origination and underwriting to approval and closing; exercise confidentiality and sound judgment in making consumer loan decisions.

         Computer/software skills include Microsoft Office Suite (Word, Excel, Outlook, etc.), Calyx Point, and a typing speed of 70 wpm.

         Outstanding multi-tasking and prioritization skills; gracefully balance competing and constantly changing demands.   

         Highly versatile and resourceful C quickly adapt to new roles, responsibilities, and environments.

         Significant knowledge of underwriting concepts, practices, methods and techniques and proficient in using automated engines such as DU and LP.

         Cultivate, nurture, and maintain strong client relationships, consistently ensuring satisfaction.

         Notary Public, States of Florida and New Jersey.

 

 

Housing Authority of Bartow, 2008 to Present

Underwriter

         Perform underwriting of loans for SHIP (State Housing Initiative Partnership) Program which provides down-payment assistance to families and individuals meeting specific eligibility guidelines.

         Conduct income calculations, appraisal reviews, and verifications of employment, paystubs, bank statements, and related documentation.   

         Leverage a dynamic team player work ethic in assisting peers to close out files for rehabilitation and minor property repairs. 

 

Florida Realty and Mortgage, Tampa, FL, 2004 to 2008

Sr. Underwriter / Loan Officer

         Applied considerable organizational skills in reviewing, analyzing, approving and underwriting consumer loans. 

 

Continued

 

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Professional Experience continued

 

         Critically examined credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and other supporting documentation to recommend and approve FHA, VA, and Conforming FNMA loans.

         Employed solid communication skills to collect required information for loan approval process and explain rationale behind credit decisions.

• Skillfully presented loan solutions and programs, winning and maintaining confidence of borrowers through exemplary customer service.

 

Ditech.com, Mountainside, NJ, 2001 to 2004

Sr. Loan Processor

         Expeditiously administered pipeline of 60 to 80 loans monthly for Conforming FNMA, FHA and VA.

         Steered consistent compliance with government rules and regulations and meticulously reviewed loan applications for accuracy and completeness.

         Trained, coached, supported and mentored newly-hired loan processors.

         Contacted customers, attorneys, realtors, and other third parties to obtain additional information required, and requested verifications and case numbers through FHA and VA.

         Effectively maintained and tracked comprehensive customer data through Calyx system.

         Prepared and issued customer correspondence such as commitment letters, 10-day incomplete letters, re-disclosure requirements, and agency-specific documents.

         Facilitated ordering of payoffs, homeowner s insurance, subordinations (both internal and external) as needed, and collaborated with third party vendors to obtain title policies.

 

 

Cittone Business Institute, Edison, NJ

 

Sawyer School of Business, Elizabeth, NJ