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I am a highly qualified Government and Conventional Mortgage Underwriter with nearly 30 years in the mortgage industry. However, with that being said, I am currently unemployed. Since have not been successful finding employment from the many and various employment websites I decided to create my own so that my resume is visible to all potential employers.

OBJECTIVE

To Secure a Senior Underwriting Position with an established company where I can utilize my past work experience to contribute to their success


SUMMARY OF QUALIFICATIONS

Nearly 30 years experience including Forward & Reverse Underwriting, Processing, Closing, Loan Delivery and Secondary Marketing

FHA DE Underwriter
VA LAPP Approved
State Housing Programs: MSHDA and Rural Housing
PMI Underwriting
DU/LP Proficient; Other AUS: Clues, Asset-wise and Zippy
LOS Systems: Mortgage Builder, Encompass, Fiserv and Mornet
Familiar with Lexis Nexis, Core Logic and Fraud Guard investigation resources
Experienced in paper-less environment

EMPLOYMENT EXPERIENCE

3/2010 - 4/2011
Success Mortgage Partners, Plymouth, MI
Reverse & Forward Mortgage Underwriter
Instrumental in Company obtaining HUD Approval for Reverse Mortgages; Underwrote required test cases to obtain DE Approval
Developed credit policies, procedures and product matrix
Trained underwriting staff

3/2008 - 12/2009
Chase Home Loans, Bloomfield Hills, MI
Senior Government Staff Underwriter
Met or exceeded daily standards for new underwrites and conditions
Reviewed Trusts and POA’s on loans underwritten by Junior and Contract Underwriters to determine if meets company policies

2/2005 - 3/2008
Citizens Bank, Farmington Hills, MI
Senior Staff Underwriter
Met or exceeded daily standards for new underwrites and conditions
Participatedin“2nd Look” Committee for loans declined by Junior and Contract Underwriters to determine if another product could be offered
Participated in “Exception Committee” for loans not meeting Company’s Portfolio program guidelines to determine if credit-worthy for an exception

7/2003 - 2/2005
Wells Fargo Wholesale Lending, Livonia, MI
Senior Underwriter
Met or exceeded daily standards for new underwrites and conditions
Underwrote loans submitted through Broker Channel
Communicated loan decision to Broker Customer

3/1999 - 5/2003
ABN Amro (now Citi), Ann Arbor, MI
Senior Government Underwriter
Regularly exceeded daily standards for new underwrites
Underwrote Government loans submitted through Broker Channel
Monitored “streamline refi” email box to ensure loan decisions met within 24 hours

5/1983 - 3/1999
Various Loan Processing Positions
Detailed information available upon request


EDUCATION

Attended various company-sponsored programs in: Reverse Mortgage Underwriting, Appraisal review training through Allregs, Self-Employed Workshop, LP Training, MSHDA, Rural Housing, VA Training and Advanced FHA Underwriting

Graduate June 1979, John F. Kennedy High School, Taylor, MI
Business Courses include book-keeping, office procedures, typing and short-hand
(Worked two-year co-op program at area Businesses)


REFERENCES
Available Upon Request