MORTGAGE UNDERWRITER Resume

Desired Industry: Banking/Mortgage	SpiderID: 8872
Desired Job Location: Silver Spring, Maryland	Date Posted: 9/21/2006
Type of Position: Full-Time Permanent	Availability Date: 10/01/06
Desired Wage: 60,000
	U.S. Work Authorization: Yes
Job Level: Management (Manager, Director)	Willing to Travel: Yes, Less Than 25%
Highest Degree Attained: Bachelors	Willing to Relocate: No

Objective:
Seeking a mortgage underwriting position in a high performance environment that will utilize my experience and education to the fullest potential, while allowing me to continuously advance and expand my knowledge in the mortgage finance industry.

Experience:
Residential Home Funding Corporation, January 2002-Present
• Sr. Loan Processor/Processing Supervisor/ /Jr. Underwriter/Sr. Underwriter
Administer a pipeline of residential mortgage loans under a variety of conventional and government products. Properly document and qualify loans within the guideline parameters set forth. Provide the utmost and prompt service to all parties involved in each transaction. Properly manage pipeline from beginning to end to ensure that each transaction progresses as efficiently as possible. Manage and track pipelines, workflow, and performance of entire processing department. Oversee inter-departmental relations to ensure procedures are followed. Match originators to processors to achieve maximum team productivity. Maintain the integrity of the employing company.

Embassy Mortgage, June 1996-January 2002
• Front Desk Receptionist
Performed a variety of routine and complex clerical duties, Updated customer database, Prepared welcome and appreciation letters, Prepared documents for courier pickup, Answered all telephone calls and incoming faxes, Posted daily rate sheets from all investors.
• Processing Assistant
Responsibilities included entering loans into LOS, obtaining all verifications, ordering credit reports, appraisals, payoffs, and all other necessary documentation required from the borrower. Followed-up with investors on the status of submitted loans, Updated closings board, Scheduled/coordinated closings with settlement attorneys and investors, Requested title work, termite, flood certification, and HUD-1. Performed internal post-closing audit.
• Mortgage Loan Processor
Responsible for processing high-quality mortgage loans. Maintained an organized filing system of all files and documentation. Reviewed all collected documentation, calculated ratios, and assured loans fit program guidelines before final submission to the investor. Prepared loan files for closing department including title binder, flood certification, homeowners insurance, fee sheet, etc.
• Mortgage Loan Originator
Originate purchase and refinance loans. Responsibilities included taking the loan application, obtaining the required documentation from borrowers, performing the initial qualification, and placing borrowers within the most appropriate loan program.
• Office Manager
Responsibilities ranged from collecting payroll to auditing loan files. Other responsibilities included: Collecting/depositing commission checks, Completing state audits, annual state license renewals, and broker application packages, Installing computer programs on networked computer system, Responsible for updates and upgrades of all computer programs, Composed weekly schedules for part-time employees, Supervised processors, Compiled internal processing system/work flow chart.

Education:
- University of Maryland, December 1999. BS: Government and Politics, Minor: Latin American Studies.
- Currently enrolled in the MBA Certified Residential Underwriting Program
- Selected as a 2006 MBA Path to Diversity Scholar

Skills:
- Strive to achieve maximum production volume by maintaining a high degree of accuracy and organization.
- Able to work in a fast-paced and demanding environment.
- Capable of performing tasks when under pressure to meet deadlines, quotas, and end-of-month reports.
- Maintain a professional interface with all individuals involved in each transaction.
- Possess a thorough understanding of the mortgage loan process.
- Work harmoniously as a team member to expedite the processing and closing of loan applications.
- Hold and promote a strong, cooperative work ethic.
- Solid experience with FHA, Conventional, and some VA products.
- Proficient with LP, DO, DU and lender-specific automated underwriting engines.
- Fluent in Spanish (oral and written).

Additional Information:
- DU, DO, LP
- Lender-specific automated underwriting engines
- FHA Connection
- LOS: Genesis, Contour, The Loan Handler, Point, Encompass

Reference:
- Provided upon request

Candidate Contact Information:

Name: LOURDES CHAVARRIA
Street: -	Phone: 202-270-6464
City: -	Fax: -
State: -
Zip: -
Web Site: