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Click here or scroll down to respond to this candidate Candidate's Name
Phone PHONE NUMBER AVAILABLE
EMAIL AVAILABLE
Summary of Qualifications
Dedicated professional with over 15years experience in the mortgage and finance industry. Motivated
self-starter with strengths in data analysis, problem solving, team building and excellent oral and written
communication skills. Proven track record in brining positive results in the financial industry to all
involved.
Professional Experience
Angel Oak Home Loans, LLC Atlanta, GA August 2015 December 2015 (Lack of Work)
Credit Risk Specialist II
Underwrite residential loans, analyzing all credit, income, assets and collateral.
Communicates with loan originator, processor and closing department
Responsible for insuring that all investor requirements and program guidelines are met
Underwrote Conventional and Portfolio Select product products
Analyzed appraisal to ensure value accuracy and verify property details.
Fannie Mae November 2012 March 2015
Convergenz, LLC - Fannie Mae Atlanta, GA February 2012 November 2012 (Lack of Work)
Mortgage Underwriter
Evaluation of newly originated residential home loans for compliance with current regulations.
Analyzing consumer credit and all income types/documentation for loan eligibility.
Calculating debt ratios and program restrictions to ensure compliance with lender, federal and
state regulations.
Assessing real estate appraisals for valuation.
Ensuring that loans meet lender/investor guidelines and regulations.
JPMorgan Chase Ft. Worth, TX September 2010 February 2012
Senior Underwriter
Maintain current knowledge of state and federal regulatory requirements in Government,
Agency and Jumbo levels of mortgage underwriting.
Responsible for underwriting 7 platforms including FNMA, FHA, FHLMC, USDA, VA, Bank
Owned & Private Investors
Underwrite complex files including multi-property portfolios for Real Estate Investors, high
balanced, & Mediation files
Analyze delinquency, perform escrow analysis and determines modification proposals.
Kelly Financial Resources - R.R. Donnelley Atlanta, GA August 2008 September 2010
Forensic Underwriter
Performed post-close forensic analysis of loan files for completeness and accuracy, conducted
reviews of collective documents including credit, income documentation, assets, & appraisals.
Audited files to identify fraud or pertinent red flags that could affect the performance of mortgage
bank securities.
Multi-tasked between Re-verification of employment, income, assets and compliance review.
Lehman Brothers - BNC Mortgage Alpharetta, GA February 2007 October 2007 (Closed)
Mortgage Underwriter
Reduced high risk loans through extensive research applications to verify property ownership and
any undisclosed properties that would increase credit risk.
Identified appraisal issues and flagged the automated system on properties that required further
investigation.
Underwrote files under BNC fraud detection guidelines and compliance requirements.
Reviewed all files for any misrepresentation to ensure due diligence.
Underwrote a minimum of 7 files per day with a sign off authority of $800K using guidelines
influenced by Fannie/Freddie.
Mortgage Lenders Network Alpharetta, GA January 1998 - January 2007 (Business Closed)
Assistant Operations Manager / Senior Underwriter/Loan Processor
Performed assessment of files underwritten by subordinates to eliminate any deceptive items
using MLN guidelines influenced by Fannie/Freddie.
Cross trained processors, underwriters and account managers in order to increase productivity.
Designed compliance tests to safeguard employees from violation of state and federal regulations.
Evaluated all loans ensuring overall loan documents were accurate, complete and in compliance.
Skills
Appraisal Analysis QAS2 Workflow
QAS Legacy Lexis Nexis
Analytical skills Encompass
Fraud Analysis Windows/MS Word
Education
Morris Brown College Atlanta, GA - 1994 Bachelor of Art in Business Administration.
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