Underwrite Conventional, CDA, FHA and VA guaranteed loans for purchase and refinance transactions.VA LAPP certified.Review and approve mortgage loans.Review appraisal to confirm value of property ,review the applicant’scapacity to repay.Analyze borrower’s debts and past credit history; provide technical review of all documents; determine if borrower meets company/investor guidelines and federal/state rules and regulations.
American Federal Savings BankGreenbelt, Maryland
DE/SAR Underwriter5/ 2010 – 1/2013
Underwrite Conventional, FHA and VA guaranteed loans for purchase and refinance transactions.Approvals are based on review of appraisal, income, asset, credit, insurance, title and other supporting documents, insuring that loans meet various lender, FHA, VA, FNMA and FHMC guidelines.VA LAPP certified.Tools used include: DU, LP; Calyx Point, DataTrac and Encompass (paperless) underwriting systems),UAD Portal (appraisals), FEMA (verify disaster areas) and Kroll (transcripts).
Premier Staffing Source (Temp Agency)Crownsville, Maryland
Underwriter, Special Projects12/2009 – 4/2010
Assignment:Maryland Department of Housing and Community Development (DHCD):Underwrite CDA loans.Worked on special Loan program.Assist with spearheading new program, “Maryland Veterans Homeownership Initiative.:Developed highlights, guidelines, check lists and application documents.Cultivated new relationships with local realtors, VA Administrators and groups as a way of outreach and marketing. Responsible for loan origination:pre-qualifying borrowers; underwrote state funded loans and forgivable grants.Assisted with the auditing of Maryland Mortgage Program.Computer skills:Loan Tracker (LT), Docushare, Microsoft Power Point, and Encompass underwriting system.
New Day FinancialFulton, Maryland
Underwriter9/2009 – 11/2009
Review and approve VA guaranteed loans.Approvals are based on review of appraisal, income, asset, credit, insurance, title and other supporting documents. Underwrite for state and federal compliance.Provide processing with conditions for approval, issued denials if necessary and counteroffers when appropriate.Work closely with processing, closing, post closing departments; as well as various title companies.Computer software to include:Lending Space (paperless) underwriting system; LP &DU.
New American FinancialGreenbelt Maryland
Underwriter/Operations Manager7/2005 – 9/2009
Review and approve 1st and 2nd refinance mortgages for conventional. Provided guidance to sales and processing staff.As the company downsized,took on the responsibilities of Operations Manager; responsible for all processing, underwriting, closing, post closing and secondary marketing.Worked closely with the investors, loan warehouse and title companies.Managed daily pipeline to include underwriting 4-6 loans daily while clearing conditions to close an average of 50-60 loans per month.Computer skills:MERS; Contour and Encompass,LP and DU.
Bay Capital CorporationOwings Mills, Maryland
Underwriter3/2005 – 6/2005
Review and approve 1st and 2nd refinance mortgages for convention conforming and non-conforming loans and purchases.Delegated to approve loans through various MI companies.Provide processing with conditions for approval, issued denials if necessary.Responsible for final decision of all loans.Computer skills:Calyx Point underwriting system; LP and DU.
Corestart Financial GroupTimonium, Maryland
Underwriter3/2004 – 3/2005
Review and approve 1st and 2nd refinance mortgages for convention conforming and non-conforming loans and purchases.Delegated to approve loans through various MI companies such as Radian and United Guaranty.Computer skills:Calyx Point underwriting system; DU, LP and Assetwise automated underwriting systems.
New Day FinancialColumbia, Maryland
Senior Underwriter9/2001 – 12/2003
Review and approve 1st and 2nd refinance mortgages for conventional conforming and non-conforming loans which included over equity loans.Maintained monthly case load of 60-70 loans.Assisted underwriting manager with training new underwriters.
Towson State University, Towson, MD B.S. Degree:Mass Communications, May 1983
References Available Upon Request
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