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| Topic: | Contract Undereriter/Processor | TP-268 | ||
| Jobs: | Job: Contract Processor | |||
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| Uid22217 | Email | Contact | Postings | Edit | CT22217 |
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Erika Carey
16823 Quailcrest Ct Missouri City, Texas 77489 (713) 598-3482 cmilanne@aol.com OBJECTIVE Seeking a secured permanent or contract position in the real-estate mortgage industry that will utilize my 7 years experience of becoming an underwriter with growth opportunities of being in management. SUMMARY Mortgage Contractor traveling within the 50 states working with various different agencies and lenders with extensive experience offering a background in several different positions in mortgage including processing, underwriting, compliance and due diligence, with also retail and wholesale lending experience. • Strong organizational and detail-oriented skills. • Effectively handles multiple tasks simultaneously • Demonstrated ability to acquire and apply knowledge rapidly • Independent; work with minimal supervision and contribute to a team SUMMARY OF EMPLOYMENT Senior Underwriter Cornerstone Mortgage 07/07- Present Contract Underwriter Washington Mutual 07/05-06/07 Contract Diligence U/W Clayton Group 09/03-03/05 Contact Underwriter Wells Fargo 11/01-08/03 WORK EXPERIENCE Various Agencies/ Wells Fargo, WaMu, Triad Guaranty & United Guaranty Underwriter 2001-Present • Reviewing, examining and underwriting loans to ensure soundness, business value and compliance with investor standards • Applied FNMA, FHLMC lender guidelines to ensure loan complies with company standards. Submitted all DU & LP approvals. • Applying specialized knowledge to the interpretation of loan and Underwriting criteria and the determination of Underwriting decisions and final courses-of-action • Independently conducting full and comprehensive evaluations of a variety of complex, high-risk Mortgage-Loan applications • Providing input on new and/or existing Underwriting processes, procedures and/or approaches • Reviewed and analyzes credit reports, loan applications, income documentation, employment records and court documents such as bankruptcy and divorce decrees and verifies information as needed to determine borrower’s ability to meet requirements of loan. • Analyzes mixed property appraisals to determine value of lender collateral, completes appraisal check list and orders review appraisals if required. • Reviewed and signed off on underwriting conditions, made loan program changes and loan adjustments promptly. Issued approvals within lending authority. The Clayton Group Due Diligence/Compliance/QA 2003-2005 • Responsible for rebutting underwriting decisions and compliance issues to maximize profitability and execution of Secondary Market loan sales transactions. • Re-underwriting of sub prime, Alt-A, conforming and non-conforming loans for secondary market. Perform “scratch & dent “file review. • Reviewed disclosures and closing documents including: loan product parameters, as expressed on notes and riders, TIL disclosures and components. HUD-1 including typical finance and non-finance related fees. Support and review closed loans files prior to starting the due diligence process to ensure quality control and data integrity. • Reviewed regulatory compliance related documents to ensure conformity with federal state and local regulations. Work in conjunction with the legal department to ensure all compliance issues are addressed and resolved in a timely matter. EDUCATION Northwood University Cedar Hill, Texas Business Management Courses • Certificate of Completion for Loan Closing and Funding Uid22217 cmilanne@aol.com |
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