1234 Green Street, Los Angeles, CA 99999 Cell: 012-345-6789 – firstname.lastname@example.org
Results-driven professional with extensive experience in loan management and processing, underwriting, auditing, accounting, quality control, risk analysis, credit review / analysis, regulatory compliance and servicing within the mortgage loan industry. Excellent interpersonal, communication and presentation skills; work effectively with management, colleagues, and clients at all professional levels. Demonstrated ability to deliver unparalleled client service, improve processes, analyze complex issues, develop solutions, motivate teams, and attain major corporate performance goals. Comfortable working with senior management, employees and customers to effectively define and achieve strategic operational and administrative objectives.
Loan Origination, Auditing and Processing Customer Relationship Management Underwriting Quality Control Goal Attainment Risk Analysis Credit Review / Analysis Regulatory Compliance Team Leadership Accounting
Underwriter / Auditor December 2012 to August 2013 Wells Fargo/On Call Staffing Solutions Inc. Performed re-underwriting of selected pre-closing loans in compliance with Wells Fargo policies and procedures for review and acceptance of residential real estate loans. Reviewed appraisals, preliminary title reports, income and assets. Provided quality control reports of any findings and recommended actions in timely manner. Reviewed findings of quality control reviews to determine any follow-up action. Home Services Specialist II May 2011 to December 2011 Bank of America Concord, CA Managed portfolio of imminent defaulted loans with focus in loan modification. Actioned appropriate options for borrowers such as collections, repayment plans, special forbearance, modification, short sale and foreclosure. Responded to customer and third party inquiries, created and researched documentation, and analyzed requests in accordance with established guidelines. Ensured loans were in compliance with federal laws and company guidelines. Loan Auditor December 2010 to April 2011 Mortgage Compliance Advisors Salt Lake, UT Reviewed loan files for completeness and accuracy. Analyzed credit documents, including mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents. Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and other factors. Determined and documented loan conditions and communicated requirements and decisions. Adhere to all client/lender policies and procedures, in addition to federal, state, and/or municipal laws and regulations. Identified portfolio risks resulting from client’s underlying business practices, underwriting, and fraud exposure. Communicated information regarding department, business unit, organization and underwriting industry guidelines.