Todd Eller has over 20 years of experience in mortgage underwriting, risk management, and event planning. He has underwritten residential mortgages at multiple large financial institutions, including Wells Fargo, Aurora Loan Services, and Norwest Mortgage. Currently, Eller works as an underwriter at Wells Fargo and also has a part-time business as an independent event planner.

1. TODD ELLER
Aust42@comcast.net
(301) 676-2992
 Accomplished professional with over eight years of experience in processing,auditing,underwritingand
risk management of conventional residential mortgages in the retail,wholesaleand correspondent
divisions.
 Possessinga sound knowledge of FannieMae/Freddie Mac Conforming, Non-Conforming, Alt-A, DU, LP
guidelines,risk assessmenttools used to decision mortgage loans and all regulations.
 Proven ability to manually underwriteloans in a fastpaced environment, meeting all goalsand quotas
whilemaintaininghigh quality decisions.
 Talented risk analyzer and identifier of fraud and mortgage misrepresentation.
PROFESSIONAL EXPERIENCE
12/07/2015–Present Underwriter, Wells Fargo
 Have extensive knowledge of HAMP guidelines,in-houseand proprietary modification options,and
various underwritingprograms.
 Evaluate Pay Stubs, Corporate, S-Corp, Partnership,and Schedule C Tax Returns to determine qualifying
income; evaluateAssets and Collateral to ensure eligibility.
 Communicate directly with applicants to ensurethey understand process and request any documentation
that may be needed to complete the review of their application.
10/01/2007-Present Event Planner-Self Employed (Part Time)
 Work as an Event Planner,managingstaffingof 5-100, for a variety of Pharmaceutical Companies
including: Biogen,Wyeth Ayerst, Pfizer, Merck & Co., Novartis,Sanofi -Aventis.
 Provideon-site supportto clientprojectmanager for all programdeliverables.
 Consolidat3 on-sitebillingon behalf of client,implemented costsavings on-siteto ensure vendors fees
were in linewith meeting needs.
08/03/2009-07/20/2015 Underwriter, LotteryDivision-Seneca One Finance
 Reviewed petitions,court orders, UCC financingstatements and other legal documents to determine
eligibility of lottery winners.
 Performed due diligenceto identify and resolveencumbrances on purchased payment streams.
 Evaluated pricingand investor guidelines,creatingcompetitivedeals for sales reps to offer.
 Prepared closingbinders for presentation to Seneca One's investors.
04/20/2009-07/17/2009 Level IV Underwriter-Wells Fargo, Wholesale Division Short-
term Contract through Contemporary Services Incorporated
 Manually underwrote complex transactionsin the wholesaledivision.
 Selected to underwrite Fannie Mae DU Refi Plus and Freddie Mac HARP loans.
 Evaluated Pay Stubs, Corporate, S-Corp, Partnership,and Schedule C Tax Returns to determine qualifying
income; evaluated Assets and Collateral to ensure eligibility.
 Implemented fraud detection techniques and re-negotiation of loans based on guidelines.
 Contacted brokers and partners to gather information to make appropriatedecisionsand explaining
rationalebehind decisions.

2. 08/15/2005-09/28/2007 Sr. Underwriter- Aurora Loan Services
 Manually underwrote complex wholesaleconformingand non-conforming loans,includingTexas
Refinance loans, workingclosely with Brokers and Account Reps to ensure loans were closed in a timely
manner.
 Used LexisNexis,DISSCO and Auto Track software to assistin fraud prevention.
01/07/2004-08/11/2005 Quality Control Specialist - Wells Fargo Mortgage
 Performed pre-funded audits of all loansin theconventional retail division.
 Reviewed and identified data to ascertain loan viability and identified risk issues.
 Presented monthly reports to underwritingmanagers and recommended course of action on sensitive
underwritingissues.
 Mentored the underwritingstaff, educated staff of new procedures and policies.
 Recommended and implemented standard operatingprocedures for the underwriting department.
04/14/2003-01/02/2004 Sr. Underwriter, Correspondent Underwriting Lending Contract through
Mortgage Resource Network
 Underwrote files usingFannieMae Desktop Underwriter and Freddie Mac’s Loan Prospector decision
engines.
 Reviewed collateral,incomeand assetdocumentation to determine eligibility of loan.
 Performed due diligenceon closed loans for compliancewith policy and procedures to determine
salability of loans to FannieMae and Freddie Mac.
11/19/2001-02/11/2003 Mortgage Underwriter, Account Rep-Wells Fargo Mortgage
 Underwrote conventional conformingand non-conforming loans in the retail division.
 Analyzed applicantscredithistory,assets,incomeand collateral to determine eligibility.
 Promoted to Account Representative to maintain relationshipsand monitor pipelinefor assigned region.
 Discussed and resolved issues with loan officers duringprocess of loan application.
12/04/1999-11/09/2001 Event Planner-McGettigan Partners
 Planned logisticsof on-sitemanagement of conventions,conferences, meetings, incentives,sporting
events, and educational/trainingprograms.
 Meeting planner/consultantfor a variety of clientcompanies.
 Provided on-site supportto projectmanager for all programdeliverables.
 Consolidated on-sitebilling.
 Managed event staff,travel staff and volunteers
11/16/1997-11/23/1999 Mortgage Underwriter-Norwest Mortgage
 Underwrote and processed conventional conformingand non-conforming loans in the retail division.
 Maintained a pipelinein excess of one hundred loans.
 Analyzed applicantscredithistory,assets,income,and collateral to determine eligibility.
EDUCATION
Bachelor of Arts in Political Science, University of Delaware
Defensive Captain for the University of Delaware Bluehen Football Team