North American Mortgage Co.
Sarasota/Bradenton, Fl. 7/10/00 - To the present. Underwriter. Responsible reviewing loan documentation to determine creditworthiness and compliance with Company guindelines for the following loan types: FHA, Conforming loan amounts to $252,700 to include expanded criteria and home equity/second mortgage loans.
Countrywide Home Loans
Bradenton, Fla. 9/98 - 7/00 - Assistant Branch Manager/Underwriter Responsible for analyzing all loan documents to determine creditworthiness and compliance with FHA, FNMA and FHLMC guidelines to include the underwriting property appraisals, reviewed HELOCS, VA loans and expanded criteria loans for qualification and compliance with guidelines. Additional responsibilities include obtaining FHA insurance endorsements, final loan review and packaging for shipping to FHA and investors, resolving loan deficiencies, as well as various office duties such as ordering supplies, paying bills, receipt and deposit of funds received, assisting in sales, training new employees and keeping all office staff apprised of industry changes and updates.
Countrywide Home Loans
Gambrills, Md. 8/97 - 9/98 Branch Manager/Underwriter Responsibilities include: All branch business development, originating 1st mortgage loans: VA, FHA, Conventional as well as HELOCS and second mortgages. Underwrite and process loans,manage office staff, interview and hire new employees.
Allied Federal Financial
Severna Park, Md.8/96 1997 Operations Manager Responsibilities included:
training new employees, Q.C. auditing, acting as liason between underwriting staff, originators and processors to assist in answering questions and stating investor/agency guidelines as well as company requirements.
Consumer First Mortgage, Inc.
Columbia, Md. 4/89 - 8/96 Vice President, Head underwriter, Operations Manager, Company Trustee Responsibilities included: Underwriting loan documents to determine creditworthiness and compliance with investor guidelines, assisted in establishing relationships and obtaining delegated underwriting approval with FHA as well as numerous investors, approved for underwriting authority to $650,000 for Conventional loans, reviewed all appraiser qualifications for approval by Consumer First Mortgage as well as the investors, responsible for training and evaluating all processors and originators.
Inland Mortgage Corp.
Columbia, Md. 1981 - 1988Sr. Loan Processor, Office Manager, Jr. underwriter. In 1987 I received my FHA Delegated Underwriting authority, was authorized to approve Conventional loans up to $500,000, prepared loans for submission to VA for approval, received training to underwrite appraisals, to review both gross and net adjustments, sales price, age and distance of comparables, zoning compliance, highest and best use of subject property, as well as neighborhood stability and marketing time, review comparables to determine if comps support the value of the subject property, review for any notations regarding dampness, infestation, settlement of property or negative comments by the appraiser, review to determine if there are any required repairs or if the property is on a well or septic tank. Read appraisers comments as to whether or not the property has been offered for sale within the past 12 months.
Courses and seminars attended
Certificate of Achievement - Mortgage Bankers Association underwriting course
HUD Seminars - Creditworthines underwriting and underwriting appraisals
1987 Received HUD Delegated underwriting authority, Attended 203K undewriter training, VA Seminars - credit underwiting standards, underwriting appraisals
Various seminars for analyzing the self employed borrowers tax returns.