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MORTGAGE UNDERWRITER

KARINE ALLIER
  • Posted 2 months ago
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I WOULD LOVE TO WORK IN THE MORTGAGE INDUSTRY CONTINUING IN THE LINE OF BUSINESS I HAVE EXPERIENCE IN BUT WOULD ALSO EMBRACE A DIFFERENT POSITION IN THE FINANCE INDUSTRY OR PROPERTY MANAGEMENT INDUSTRY.
NOT MENTIONED ON MY RESUME, I HAVE OVER 15 YEARS OF RESIDENTIAL PROPERTY MANAGEMENT EXPERIENCE AS WELL.

What I am looking for
  • Working time

    Full time

    Part time

  • Salary range

    TO BE NEGOTIATED

  • Experience

    Expert

Skills
QUALIFICATIONS PROFILE
Performance-driven and insightful underwriter with a proven ability to achieve and exceed goals in high-pressure environments.
Excellent knowledge of the mortgage process, including strong analytical skills, critical thinking and sound judgment.
Assist with resolution of problem accounts, conducts research, follow up on critical customer issues and bring assignment to completion.
Team player; act as a mentor by providing guidance to peers, processors and business partners in regard to guidelines, policies, processes and tax analysis.
Excellent listening, negotiating, verbal and written skills.
Keen interpersonal skills, facilitating the ability to work successfully with a diverse group of people of varying levels of loan related knowledge/comprehension.
Ability to work in a flexible and production oriented environment.
Proficient with LIS, LPS, Microsoft Office Software, LP, DU and expert at using the internet as a research tool.
PROFESSIONAL EXPERIENCE
WELLS FARGO (RETAIL LENDING) San Diego, California 2013 - Present
Residential Mortgage Loan Underwriter Non Conforming
Detail oriented Mortgage Loan Production Underwriter with $1,500,000 signing authority. Performed intricate review of all loan documents to verify accuracy, authenticity and compliance. Responsible for analyzing and approving unusual complex consumer loans, following industry guidelines. Strong analytical thinking and problem solving skills. Ability to rapidly adapt to constant industry changes. Go to person for peers, processors and loan officers who need help restructuring loans, analyzing tax returns, or explaining rational of underwriting decisions. Achieved level 4P lending authority.

WELLS FARGO (RETAIL LENDING) San Diego, California 2009 - 2013
Residential Mortgage Loan Underwriter - Conforming
Detail oriented Mortgage Loan Production Underwriter with $750,000 signing authority . Performed intricate review of all loan documents to verify accuracy, authenticity and compliance. Responsible for analyzing and approving unusual complex consumer loans, following industry guidelines. Strong analytical thinking and problem solving skills. Ability to rapidly adapt to constant industry changes. Go to person for peers, processors and loan officers who need help restructuring loans, analyzing tax returns, or explaining rational of underwriting decisions. Achieved level 4C lending authority and served as a second level review underwriter.


DELOITTE & TOUCHE / DEVAL (BANK CLOSINGS) Henderson, Nevada 2008 - 2009
Asset Management Professional
Duties include auditing critical and non-critical loan documents, gathering and disseminating information pertaining to participation agreements and analyzing DDA accounts both for accuracy and fraud potential.
In order to provide a seamless transition for the FDIC, responsibilities included working side-by-side with existing bank operations employees to learn specific duties to act as their replacement as they were released or moved to permanent employment with other institutions.
In addition to the above mentioned skills, worked as primary liaison between vendors, RAC Personnel or retained former bank personnel and FDIC in accounts payable duties. Worked very closely with the FDIC Post Closing Asset Manager and assisted in the preparation of assets for marketing and sale on the secondary market.

CMG MORTGAGE INC. (WHOLESALE LENDING) San Diego, California 2006 to 2008
Residential Mortgage Loan Underwriter
Detail oriented Mortgage Loan Production Underwriter with $650,000 signing authority. Performed intricate review of all loan documents to verify accuracy, authenticity and compliance. Maintained familiarity with rapidly changing Underwriting guidelines and changing rules relevant to the credit crunch suffered by the mortgage industry. Performed audit to rule out fraud and/or negligence in the loan application. Advised brokers on the different loan options available to their clients. Familiar with manual and automated underwriting.

NATIONAL CITY MORTGAGE (WHOLESALE LENDING) San Diego, California 2005 to 2006
Residential Mortgage Loan Underwriter
Mortgage Loan Underwriter with $1,500,000 signing authority. Reviewed and analyzed credit worthiness of loan applicants to make a decision on Loan Approval. Comprehensive knowledge of Financials, Appraisals, Title and Escrow.

SILVERGATE BANK (WHOLESALE LENDING) San Diego, California 2003 to 2005
Residential Mortgage Loan Underwriter
Mortgage Loan Underwriter with $650,000 signing authority. Reviewed and analyzed credit worthiness of loan applicants to make a decision on Loan Approval. In addition to underwriting loans, primarily responsible for performing post-closing review to maintain compliance with secondary marketing guidelines. Displayed exemplary customer skills with Brokers as well as Title and Escrow companies. Received 3 Fraud Buster awards.

WELLS FARGO HOME EQUITY (WHOLESALE & CORRESPONDENT) San Diego, Ca. 2001 to 2003
Residential Mortgage Loan Underwriter
Reviewed and analyzed credit worthiness of loan applicants to make a decision on Loan Approval. Consistently ranked in The Top 10% of the underwriter group, both for number of loans underwritten and accuracy.
EDUCATION AND CREDENTIALS
Bachelor of Arts, International Business (1996)
SAN DIEGO STATE UNIVERSITY San Diego, California
Graduated Magna cum Laude
Accounting and Bookkeeping Certificate (2008)
AMERICAN BUSINESS COLLEGE San Diego, California

Languages: English, French, Spanish
Diplomas
BACHELOR OF ART IN INTERNATIONAL BUSINESS FROM SAN DIEGO STATE UNIVERSITY. MAGNA CUM LAUDE
KARINE ALLIER
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