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Title: |
Analyst
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Location: |
US-California-Los Angeles
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Work History: |
20 years in the Mortgage Industry
10 years processing experience
9 years FHA experience
4 years closing, shipping and purchasing experience
Software knowledge with Point, Point for Windows, Encompass, Lenders Office, Mortgageware, MPC, Contour, Byte, Genesis, and TMO.
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 and month end reports. Possess a thorough understanding of the mortgage loan process.
Work effectively as a team member to expedite the processing and closing of loan applications. Hold and promote a strong work ethic.
Career Summary
Management experience as an Underwriting and Operations Manager. Extensive experience as a FHA Approved Direct Endorsement Underwriter, B&C Credit Underwriter, appraisal review and income analysis for loan approval decisions. Skilled in the use of automated underwriting systems including, DU, LP, Clues, Emits, Idasl, Assetwise. Received employee of the month for closing 53 loans in a month for Stanwell Mortgage as a Sr. Processor. Managed and trained Underwriting staff while giving support to sales staff. Underwriting an average of 12 files daily.
Career History
Operations Manager/Senior Underwriter
Camino Real Mortgage 2005 to 2007
Underwrote retail and wholesale loans trained processors & assistants on guidelines. Provided weekly reports to insure processing, funding and shipping be within company parameters, managed approximately six employees to always exceed daily workflow.
Sr. Underwriter
Millennium Mortgage 2003 to 2005
Approve, decline or counter offer loans within assigned credit limit authority. Responsibilities include, working up income, clearing conditions, reviewing entire file to ensure both quality control and underwriting guidelines have been met, review resubmitted files for reapproval, counter offer or decline, communicating on a daily basis with the sales, management and closing departments.
Sr. Underwriter
United Guarantee 2002 to 2003
Miscellaneous contract assignments with Washington Mutual, Countrywide Home Loans, Wells Fargo, National City, SCME, and several others. Administered 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.
Team Leader
Metrociti Mortgage 2001 to 2002
Underwrote FHA and conventional loans to conform to industry guidelines, managed team to insure daily workflow and re-assessed work as needed, managed pipeline of ten agents to meet or exceed my goal of 88 loans per month, training Jr. Underwriter and reviewed subordinates work.
Sr. Loan Processor
Stanwell Mortgage 1997 to 2001
Initial file review to ensure the loan package contains the required documents and the client’s loan request can be accommodated. Contact client after file is received to introduce myself and explain my position and the next steps in the loan process. Order credit report, flood certifications, appraisals, title, field reviews, and all necessary verifications. Process the loan according to the guidelines of the appropriate investor, and utilize various automated underwriting services where applicable. Serve as the primary communicator to the loan officer and the client for issues regarding the loan transaction, including notice of loan submission, notice of underwriting determination, collecting items needed to clear the conditions, scheduling closings, monitoring lock expirations, and keeping agents informed of the process as well.
Previous experience in mortgage industry including Set-up, Processing, Closing, Shipping and Originating loans dating back to 1989
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Skills: |
1998 Received DE Chums Number (Direct Endorsement Underwriter) Las Vegas, Nevada, currently active.
Manual and automated decisioning in a correspondent, wholesale and retail capacity for FHA, FNMA, FHLMC, Countrywide, IndyMac Bank, Citimortgage, Netbank, Duetche Bank, Greenpoint, RFC/GMAC, Aurora Loan Service, Impac, Wells Fargo and Washington Mutual.
Training on various office machinery and real estate software including, Metro List, Real Fast for Windows 98, Word Perfect, Microsoft Outlook, Excel, Microsoft Word, all types of copiers, facsimile machines, computers, printers, internet, etc.
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Education: |
Attended Moorpark College for Two Years Moorpark, California
Major: Physical Education
Minor: Interior Design
Conejo Valley High School Newbury Park, California
General Curriculum Received Diploma
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Top People Endorsing crystal
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Top People crystal Endorses
crystal has endorsed 0 Members.
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Recent Public Messages sent to crystal
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Date |
Message |
Evan
Company
Profile |
03.17.08 |
Hi Crystal:
Would you be interested in talking with us about working on a contract basis for our FHA loans? We are a mortgage bank that has recently received FHA approval, and we need a DE underwriter to get us through the test cases and beyond! We would like to move on this fairly quickly, so if you're interested, please respond ASAP.
Best,
Evan |
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