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Finance/Mortgage/Banking Credit/risk Analyst Resume
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| Desired Industry: Banking/Mortgage |
SpiderID: 27775 |
| Desired Job Location: Dallas, Texas |
Date Posted: 7/15/2009 |
| Type of Position: Full-Time Permanent |
Availability Date: 7/15/2009 |
| Desired Wage: |
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U.S. Work Authorization: Yes |
| Job Level: Management (Manager, Director) |
Willing to Travel: Yes, 25-50% |
| Highest Degree Attained: Bachelors |
Willing to Relocate: No |
Objective:
Committed motivated Real Estate/Escrow/Mortgage Professional searching for a position with a Mortgage Industry Leader
Experience:
Sr. Underwriter
Beal Bank | Dallas, TX
Due Diligence of closed Secondary Market loans for Portfolio Purchase.
Underwriting review of closed files. Process of pulling and reviewing current credit, appraisal review, income calculation, compliance verification to formulate opinion of risk assessment and ultimate loan performance capability Laid off.
Senior Underwriter
EMC Mortgage Corporation | Lewisville, Tx
Review of closed loans for purchase in Conduit Department. Prequalifications and Exception Approval of files.
Review of special loans requiring prequalification prior to close to ensure Investor purchase. Obtaining Exception request & approvals. Working closing with Risk Mgmt Dept.file compliance and verification issues. Signing Authority to $1 Million, laid off
Senior Underwriter
Option One Mortgage Coroporation | Plano, TX
Broker submitted loans thru Wholesale Conduit Department for approval prior to close.
Prior approval and conditioning of files prior to close to assure investor approval and purchase of Broker submitted loans. Complete Underwriting of documents submitted then issuing of approval/suspense/decline based upon initial file submission. Laid Off
Underwriting Manager
Greenpoint Mortgage
Quality control, review and implementation for the purchase of conduit & bulk purchases in the secondary market. Resigned for position that paid all overtime & monthly bonuses.
Countrywide Mortgage | Plano, TX
Review of Broker submitted files for prior approval to ensure Investor purchase after close. Review of Compliance to Subprime and FNMA Guidelines using Clues Program
and DU. Departed for better pay and growth opportunities. Sign auth to $1 million.
National Subprime Underwriting Manager
AccuBank Mortgage/National City Mortgage | Dallas, TX
Quality Control of retail & wholesale subprime submitted loans from 132 branches throughout the US. Complete underwriting to various Investors’ guidelines to ensure purchase. Requesting and obtaining Exceptions of Investor guides. Manuel U/Write & thru various Investor U/W engines. DU, Subprime loans, 1st & 2nds, FHA & 125’s Underwriting authority to $1.5 million. Company Buyout, no need for subprime venue.
Senior Underwriter
FirstPlus Mortgage Corp. | Dallas, TX
Reviewed & purchased submitted loans. Developed the Delegated U/W Dept. Purchase bulk trades from Bank One, 1st Indiana, Life Bank, CornerStone, Norwest, etc. Traveling across US to conduct Field Due Diligence. Review of U/W loans to ensure within guidelines, conducted U/W Training Workshops for the Correspondents. Special Projects Management due to licensing issues, Risk Management issues, Loan Documentation review, Seller Liasion duties, & P/Off & Servicing Projects. Departed for better pay and growth opportunities.
Title Escrow Officer/Closer
Approximately 10 years experience.
Closing, funding, clearing title issues, legal conveyancing, interim builder finance, land development to subdivision of tracts, residential and commercial property closings.
Education:
Associate Degree, Business,
Eastfield College | Texas
Continuing Education Seminars & Classes ALTA & TLTA Real Estate Title Insurance
Mortgage Industry (i.e. Reg Z, Money laundering, FNMA, etc)
08’ - Texas Tech University 150 hours Core Real Estate Classes
Dual Agency, Sub-Escrow,Contract Law,Real Estate Regulations,
Appraisal Review,Survey Elevation Review, Fiduciary Responsibility
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CONTINUING EDUCATION
Real Estate Law, Ethics, Procedures & Practices (08’)
Texas Tech University
Affiliations:
North Texas Real Estate Professionals
Mortgage Home Equity Association of Texas
National Mortgage Professional Association
Skills:
10+ years solid U/Writing experience DU, Alt A & Subprime Mortgages
Broad in depth Knowledge of State & Federal Mortgage Regulations, Procedures & Rules
Excellent origal & written communication abilities
Extremely organized and detail oriented in nature
Outstanding customer service skills
Self motivation with a willingness to work independent or with a team
8 years of Title/Escrow—Commercial & Residential title commitments, OTP & MTP & Legal Conveyance
Additional Information:
Several performance achievement awards from previous employers.
Recognition for outstanding Fraud Special Projects
Merit increases for job performance & customer service
Award recognition for no unsalable loans U/W to Secondary Investors
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CAREER HIGHLIGHTS
A strong background consistising of.
licensed real estate sales
Title-Escrow officer
Legal review and consulation of loan and real estate transactions
Special Projects Management
Loan Auditing & Risk Mit (include fraud investigation)
Loan Underwriting
Loan Quality Control
Management & Team Lead experience
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INTERESTS
Boating/sailing, car races, traveling
Reference:
Available upon request.
Candidate Contact Information:
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