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LOAN UNDERWRITER/ PROCESSOR Resume
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| Desired Industry: Banking/Mortgage |
SpiderID: 22675 |
| Desired Job Location: Jacksonville, Florida |
Date Posted: 9/19/2008 |
| Type of Position: Full-Time Permanent |
Availability Date: 10/01/08 |
| Desired Wage: 39000 |
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U.S. Work Authorization: Yes |
| Job Level: Experienced with over 2 years experience |
Willing to Travel: Yes, Less Than 25% |
| Highest Degree Attained: Other |
Willing to Relocate: No |
Objective:
To secure a challenging, rewarding position within a solid, progressive organization in a setting that best utilizes my experience and training.
Experience:
• Managed pipelines ranging from $100,000.00 to $1,500,000.00
• Analyze and calculate dollar amount to be disbursed for each draw from inspection.
• Disburse funds to borrowers or builders via check or wire.
• Document Wachovia systems of all actions performed on files.
• Order inspections with third party vendors.
• Escalate files to underwriting to have files reviewed when properties fall out of preliminary guidelines.
• Perform basic collections functions for unpaid construction interests.
• Posts interest payments to the system (AR).
• Generates payment reports and sends payment requests (AP).
• Assists in the analysis of financial data for the Construction/Permanent Department.
• Reconcile/balance 204 accounts
• Research unidentified accounting transactions or deficits
• Use different software applications, such as Excel spreadsheets and databases to assemble and format reports for Construction Loan Administrators.
• Review statistical, cost, and financial data reported in the various financial systems
• Acts as central point of contact for client, third party vendors, Mortgage Lenders, and Broker Business personnel.
• Vigilantly assessing all clients multiple credit issues that influence mortgage default, including loan-to-value ratios, debt ratios, credit bureau characteristics, assets, collateral evaluation, and other underwriting distinctions.
• Verified the accuracy and authenticity of all documents submitted to the Mortgage Lenders programs.
• Collected potential client information and underwrite data to determine credit worthiness
• Verified verifications of mortgage; verifications of employment; and verifications of deposits.
• Assist Office Manager in all duties and manage all office operations in Managers absents.
• Monitors and analyzes the full process of purchase money or collateral pledged transactions and funding of loans.
• Interacts with Broker Business personnel, contractors, appraisers, title companies, Real Estate Attorneys, and clientsˇ¦ institutions regarding the eligibility of various assets as collateral.
• Interacts directly with clients to ensure timely resolution of matters requiring attention in the underwriting process.
• Participates in the review and delivery of post closing of client files for compliance with State policy
• Ensured the actions taken by the Mortgage Lender are communicated to the client.
• Maintained educational requirements mandated by the State of Florida
• Participated in assessment of purchase options, implementation and ongoing execution of future real estate loans.
Education:
Florida Mortgage Broker School Attended 2004
Licensed Mortgage Broker
Hampton University Attended 1987
Major: Political Science
Virginia State University Attended 1988-1990
Major: Social Work
John Tyler Community College Attended 1993-1994
Major: Funeral Science
Skills:
„« Meet and exceed company standards for excellent customer service.
„« Hire and train new employees; establish attainable production goals for all staff members.
„« Eager to complete progressive professional development training.
„« Solid team-builder, bring energy and enthusiasm to team efforts.
„« Able to take concepts from idea stage though to successful completion/implementation.
„« Adept in troubleshooting/turnarounds scenarios ˇV creating order out of chaos.
„« Effective problem solving, analytical, and organizational skills.
„« Strong work ethic exhibited through the ability to discern and respond to needs of clients.
Candidate Contact Information:
| Name: JANELL SINCLAIR |
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| Street: - |
Phone: 9044011330 |
| City: Jacksonville |
Fax: - |
| State: Florida |
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| Zip: - |
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| Web Site: |
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