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Click here or scroll down to respond to this candidateCandidate's Name 106 Golden Wheat Court Hammonton, NJ,
Street Address
PHONE NUMBER AVAILABLE EMAIL AVAILABLE
OBJECTIVE: An analytical and result driven individual with a professional background in the
mortgage industry as a credit risk analyst seeking a position as a public entity insurance
underwriter.
EXPERIENCE:
Banking/Finance: Two years of expertise trainings in conventional, conforming, Fannie Mae,
Freddie Mac guidelines, and Harp programs with an underwriting portfolio ranging from UBS,
Merrill Lynch, HSBC, and Harp cliental. Underwriting and determining a mortgage status of
an average of 15-30 loans per week while maintaining a track record of servicing 0% defect
loans to investors. Diligent and reliable with recognized ability to achieve organization goals
while displaying effective multi-tasking and time management skills.
Managerial: Supervised and led a team of 15-20 people. Executed and supported company s
business objectives. Ensure the proper coaching, trainings and delegation of workload for team
members to achieve daily sale goals. Conducted interviews, managed payroll and oversee
inventory control. Proactive and goal oriented with excellent interpersonal and communication
skills and experienced in working with different teams and individuals at all levels.
COMPUTER SKILLS:
MICROSOFT WORD, MICROSOFT OFFICE, EXCEL, POWERPOINT, LOANSPAN, IDESK, CASH
ADDITIONAL SKILLS: CASH FLOW ANALYSIS, TITLE & APPRAISAL REVIEW, DATA ENTRY, CREDIT & INCOME
ANALYSIS, LOAN MODIFICATION, ASSET CALCULATION, SELF- EMPLOYMENT INCOME, REVIEWING TAX RETURNS,
DESKTOP UNDERWRITER, LOAN PROSPECTOR
WORK HISTORY:
PHH Mortgage Mount Laurel, NJ 2012-2014
Underwriter
Analyzed and evaluated the collateral, credit, and financial status of individuals to grant
loan approvals.
Determined and documented loan conditions and communication requirements and, or
decisions.
Evaluated debt to ratios, loan to value ratios, credit score, and property valuation.
Examined and underwrite loans to ensure soundness, business value and compliance to
guidelines and investors standards.
Reviewed evaluated synthesized data to ascertain loan viability and identify risk issues
and potential fraud.
Forever 21 Atlantic City, NJ 2011-2012
Assistant Manager
Evaluated competition by visiting competing stores, gathering information such as style,
quality and prices.
Helped customers by providing information; answering questions, obtaining merchandise
requested; completing payment transactions; preparing merchandise for delivery.
Maintained inventory by checking merchandise to determine inventory levels;
anticipating customer demand.
Maintained quality service by establishing and enforcing organization standards.
Freedom Mortgage Mount Laurel, NJ 2010-2011
Junior Mortgage Loan Officer
Understanding of Anti-Money Laundering Laws, Privacy Laws, Fair Credit Reporting
Act and Fair and Accurate Credit Transaction Act.
Trained to originate and process potential borrower s loans.
Product knowledge and portfolio and risk management pratices.
EDUCATION:
RIDER UNIVERSITY, Lawrenceville, NJ
Bachelor of Arts, Mass Communications, 2009
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