Resume 2014 x3
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This document contains the resume of Roberta Lara, a mortgage underwriter with over 20 years of experience underwriting various types of loans. She is currently licensed as a loan originator in 5 states and works as a remote contract underwriter for California Mortgage Services, where she reviews and analyzes loan files to ensure they meet requirements. Prior experience includes underwriting roles at Bank of America, JPMorgan Chase, Countrywide Home Loans, and Washington Mutual.
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Resume 2014 x3
Roberta Lara has over 20 years of experience as a mortgage underwriter specializing in conventional, VA, FNMA, and FHLMC loans. She is currently a remote contract underwriter for California Mortgage Services, where she reviews loan files to ensure guidelines are met. Previous experience includes underwriting roles at Bank of America, JPMorgan Chase, and Countrywide Home Loans. She has comprehensive knowledge of underwriting guidelines and the ability to work collaboratively with lending teams.
Resume 2014 x3
Roberta Lara is a mortgage underwriter with over 20 years of experience underwriting conventional, VA, FNMA, FHLMC, and HAMP loans. She is currently a remote contract underwriter for Mortgage Recovery Services, where she reviews loan files to ensure they meet program requirements. Previously, she has held underwriting roles at Bank of America, JPMorgan Chase, Countrywide Home Loans, Lehman Bros, and Washington Mutual. She has extensive experience underwriting various loan types, including conventional, government-insured, conforming, non-conforming, and subprime loans. She is proficient in various underwriting systems and guidelines.
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Resume 2014 x3
Roberta Lara has over 20 years of experience as a mortgage underwriter specializing in conventional, VA, FNMA, and FHLMC loans. She is currently a remote contract underwriter for California Mortgage Services, where she reviews loan files to ensure guidelines are met. Previous experience includes underwriting roles at Bank of America, JPMorgan Chase, and Countrywide Home Loans. She has comprehensive knowledge of underwriting guidelines and the ability to work collaboratively with lending teams.
Resume 2014 x3
Roberta Lara is a mortgage underwriter with over 20 years of experience underwriting conventional, VA, FNMA, FHLMC, and HAMP loans. She is currently a remote contract underwriter for Mortgage Recovery Services, where she reviews loan files to ensure they meet program requirements. Previously, she has held underwriting roles at Bank of America, JPMorgan Chase, Countrywide Home Loans, Lehman Bros, and Washington Mutual. She has extensive experience underwriting various loan types, including conventional, government-insured, conforming, non-conforming, and subprime loans. She is proficient in various underwriting systems and guidelines.
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LH:0988.299.180 Lê Nhật
Sửa Máy Chấm Công Thẻ Giấy Các Hãng:Ronald Jack,Wise eye,Osin,Silicon,Metrol,..............
CHUYÊN :Sửa Phần Mềm Máy Chấm Công Mitaco,Wise Eye,attendance management,.........
Vệ Sinh Và Bảo Trì Tận Nơi giá rẻ nhất TP.HCM
LH:0988.299.180 Lê Nhật
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Email:thietbimayvanphonggiare@gmail.com
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1. The document discusses how LinkedIn is an important tool for financial services professionals in 2015 and outlines three key areas: the importance of having an established company profile on LinkedIn, using content marketing to engage followers, and joining relevant LinkedIn groups.
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Vệ Sinh Và Bảo Trì Tận Nơi giá rẻ nhất TP.HCM
LH:0988.299.180 Lê Nhật
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Email:thietbimayvanphonggiare@gmail.com
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Linkedin; what Financial Services Professionals can't ignore in 2015
1. The document discusses how LinkedIn is an important tool for financial services professionals in 2015 and outlines three key areas: the importance of having an established company profile on LinkedIn, using content marketing to engage followers, and joining relevant LinkedIn groups.
2. It emphasizes how an established company profile page can help build trust and relationships with potential customers, with statistics showing how followers are more likely to purchase, respond to messages, and share content from companies they follow on LinkedIn.
3. It also discusses how publishing useful, engaging content and asking questions can help companies cultivate discussions and build their profile within LinkedIn groups relevant to their industry or services.
HOW TO CHECK YOUR GIRLFRIENDS WHATSAPP MESSAGES
This document provides instructions on how to install and use a cell phone monitoring software called 1TopSpy. It describes how 1TopSpy allows users to secretly track the GPS location, messages, calls and internet activity of any smartphone. The summary also notes that 1TopSpy claims to have millions of users and provides encryption and customer support.
Presentasi kaban BPAP NTB
Dokumen tersebut merupakan situs web Badan Perpustakaan dan Arsip Provinsi Nusa Tenggara Barat yang memberikan informasi mengenai tugas pokok, visi misi, undang-undang, indikator kinerja, profil, program kegiatan, sarana prasarana, koleksi buku, jumlah pustakawan dan pengunjung, layanan otomatisasi perpustakaan, perpustakaan yang dibina, rencana pengembangan e-pustaka berbasis intranet, dan manfaatnya
CV_MARKPEACH
This document is a curriculum vitae for Mark N. Peach, who is 33 years old. It outlines his qualifications and career history, which includes over a decade of experience in business development, marketing, events management, and administration roles. His most recent role has been as Senior Account & Business Development Manager at Bounce Creative Ltd since 2011, where he is responsible for all areas of business development, including sourcing new clients and maintaining high customer service standards.
Un recreo de miedo
El resumen describe dos historias de terror. La primera historia cuenta sobre un hombre llamado Iván Ivanovitch Panihidin que regresaba a su casa una noche neblinosa de 1883 después de una sesión espiritista. Al entrar a su cuarto con una cerilla encendida, vio un ataúd en medio de la habitación, lo que lo llenó de terror. La segunda historia es un poema que describe la atracción del autor hacia escenas lúgubres como cementerios llenos de muertos y sangre.
HOW TO TRACK SOMEONE BY WHATSAPP
This document describes how to use the 1TopSpy cell phone tracking software to track someone's location, messages, calls and online activity. It states that 1TopSpy allows you to track a target phone's GPS location, text messages, WhatsApp messages, photos and more. It provides instructions on downloading and installing 1TopSpy on the target phone and logging into the 1TopSpy control panel online to begin monitoring the phone remotely. Customer testimonials praise 1TopSpy for allowing worried parents to monitor their children's safety and businesses to track their employees' productivity.
Futureof seo
Mobile search has overtaken desktop search in importance, with knowledge graphs and website speed becoming more significant ranking factors. Quality, unique content is rewarded more than keywords in Google's algorithm, while social signals play an increasing role in rankings.
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Linkedin; what Financial Services Professionals can't ignore in 2015
Linkedin; what Financial Services Professionals can't ignore in 2015
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Alyson Hoyt has over 20 years of experience in mortgage banking, including roles as an underwriter, loan officer, processor, closer, and quality assurance analyst. She has worked for several large financial institutions like Ocwen, JP Morgan Chase, and Capital One, and has expertise underwriting FHA, VA, conventional, and sub-prime loans. Hoyt has a bachelor's degree in business and an associate's degree in mortgage banking, and is proficient in many mortgage industry software systems.
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Herbert F. Ropos has over 20 years of experience in loan underwriting, credit analysis, and due diligence in the financial services industry. He is currently a contract MI mortgage underwriter for Essent Guaranty where he underwrites conventional MI loans. Prior experience includes roles as a remote retail mortgage underwriter at CitiMortgage and J.P. Morgan Chase, and as a bankruptcy specialist at Wells Fargo Auto Finance Group. Earlier in his career, he held management positions performing due diligence and underwriting audits at Countrywide Securities and Washington Mutual.
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Edward Nankervis has over 15 years of experience in financial services including credit analysis, risk assessment, collections, and customer service. He is currently a Credit Analyst at Toyota Financial Services where he analyzes commercial loan applications, assesses risk, and makes underwriting decisions. Prior to this, he held finance and credit roles at Experian, Chrysler Financial, and other organizations where he managed teams, originated credit, reviewed dealership finances, and more. He has a Bachelor's degree in Marketing and Human Resources from Temple University.
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This document is a resume for Diane Teeguarden, who has over 20 years of experience in credit and collections management. She has a proven track record of improving collection results, driving profitability, and exceeding cash goals. Her experience includes overseeing staff, managing large accounts receivable portfolios, and working in various credit and collections roles at several financial institutions. She is skilled in areas like problem solving, decision making, planning, and effective communication.
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Kimberly Lewis is a mortgage professional with over 15 years of experience in underwriting, loan processing, and customer service roles. She is currently an underwriter at Shared Services Solutions where she underwrites mortgage loans in compliance with investor and bank guidelines. Previously, she held underwriting positions at several large mortgage lenders where she gained expertise in various guidelines and systems. Lewis is pursuing a Bachelor's degree in Business Management and aims to continue delivering accurate and customer-focused service in her career.
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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.
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This document provides a summary of qualifications for Consula Williams, who has over 21 years of experience in the mortgage industry. Her experience includes 19 years of processing loans, 12 years of closing loans, and 4 years of underwriting loans. She is proficient in various mortgage software programs and loan guidelines. Her professional experience includes roles as a Home Service Specialist at Bank of America, a Senior Loan Processor at Express Mortgage Services, and a Loan Processor at Title West Mortgage. She has a Bachelor of Science in Business Administration in Accounting & Finance from DeVry University.
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Patricia Medina has over 5 years of experience as a detail-oriented loan processor and junior underwriter. She currently works as a senior mortgage processor and junior underwriter at Homeward Residential, where she ensures loan applications are complete and accurate, verifies documents, and submits loans through automated underwriting programs. Previously she was a home retention consultant at Ocwen Loan Servicing, analyzing loss mitigation options to help customers in delinquency. She is bilingual, proficient in MS Office, and has knowledge of various guidelines and systems.
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Melanie Eagle Blanton has over 15 years of experience in mortgage underwriting, loan processing, closing, and funding. She has expertise in meticulously reviewing complex loan documentation, accurately determining risk, communicating effectively with customers, and ensuring regulatory compliance. Her current role involves sorting and distributing mail, scanning documents, and processing new accounts and maintenance requests for a commercial bank. Previously she was a top producing underwriter at Wells Fargo where she specialized in modifications and achieved the highest levels of approval authority.
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This document provides a summary of Michelle A. Petti's qualifications and experience. She has over 15 years of experience in mortgage banking and insurance, including positions at Urban Lending Solutions and Countrywide/Bank of America Home Loans where she underwrote conventional, government, and jumbo loans. She is licensed, organized, and proficient in various technical skills relevant to the mortgage industry.
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- 1. Roberta Lara 6201 Coldwater Canyon Apt. #31 North Hollywood, CA 91606 323-356-9528 robertalara.rl@gmail.com NMLS #956170 MORTGAGE UNDERWRITER Expertise in Conventional, VA, FNMA,FHLMC & HAMP Mortgage underwriter known for strengths in risk assessment income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close. Currently Licensed Loan Originator-updated and active in current regulations and guidelines in 5 States both Federal UST Licensed and state licensed in CA, Fraud guard/Statusmart/AS400/Citrix/Lending QB Underwriting System Texas, Virginia, Maryland and Idaho Skills 20 + years mortgage underwriting experience | Credit & Income Analysis | Cash- Flow Analysis | Risk Assessment | self employed tax analysis| Conventional, VA, Conventional, Conforming & Non conforming Mortgages |Forensic and Quality Control Underwriting/ AUS, DU, LP and Manual Underwriting/ Underwriting Refinance and Purchase transactions | Loan Closing, Funding & Documentation | Account Service Excellence/License Mortgage Loan Originator/Encompass/ Professional Underwriting Experience California Mortgage Services Remote Contract rwriter-1/2014 to current Reviews and analyzes loan file submitted for borrower to ensure file meets loan program requirements. Includes individual analysis of application, credit profile, Debt to income, assets, income, financial statements, Loan to value ratios, appraisal reports and collateral supporting documentation. Identifies and calculates risk to company and industry standards to give meticulous evaluation of loan applications and determine credit worthiness and risk assessment. Underwrite Fannie Mae & Freddie Mac Conventional Purchases and Refinances using DU or LP. Possess and Maintain updated Investor Guideline Policies and Procedures. Approves, counters or denies loan file. Conditions files accordingly for supporting or missing documentation. Reviews loan to clear conditions reanalyzes income if necessary and prepares file for final approval.
- 2. Bank of America- Pasadena, CA Mortgage Underwriter-3/2011 to 11/2013 Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting VA, FHLMC, FNMA, HAMP, Conforming and Non-Conforming loans. SASE III underwriting level and VA auto with further experience in DU and LP underwriting. Provided meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity. Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements. Underwriting VA, MHA, Conforming and Non- Conforming loans. JPMorgan Chase, Irvine, CA Mortgage Underwriter,6/2009 to 3/2011 Responsibilities included underwriting Conventional Conforming loans for Retail mortgage division; along with signing off all conditions and suspense items. Platform included Chase, FNMA, FHLMC and VA. Signing authority up to $400k. Mortgage Recovery Services Los Angeles, CA Loss Mitigation Consultant,1/2008 to 6/2009 Responsibilities included assisting Borrowers in application for repayment plans by proposing several options or strategies to the Bank of Lender’s. Such as modification, short sales or deed in lieu of. Further responsibilities included pre-underwriting for various Brokers and Law firms and submitting loans to Lender’s nationwide. Countrywide Home Loans, Rosemead CA Sr. Credit Manager,11/2005 to 11/2007 Responsibilities included assisting exceptions, Risk assessment and re-pricing loans. Exception authority up to $2million on 100% LTV on 1st and 2nd liens. Lehman Bros-BNC Mortgage, Irvine CA Sr. Underwriter,8/2003 to 11/2005 Responsibilities included underwriting subprime loans for Wholesale mortgage division; along with signing off all conditions and suspense items. Signing Authority up to $500k.
- 3. Washington Mutual, Northridge, CA Sr. Underwriter, 2/2002 to 8/2003 Responsibilities included underwriting construction loans and project reviews in Retail Banking division with signing authority up to $1million in portfolio and a paper products. Education & Technology ProSchools NMLS Licensing Safe Course Allied Real Estate School Real Estate Salesperson and Brokering Licensing Courses Fannie Mae’s Housing Finance Institute Managing Delinquencies, Foreclosures, Bankruptcies, acquired properties and Loss mitigation NAMU (National Association of Mortgage Underwriters) FHA DE Underwriting and Case File Underwriting Review Arroyo Grande High School, Arroyo Grande, CA General Education graduated June 1984 Computer Proficiencies: Edge, Status Mart, DU, LP, Encompass, Clues, LP, AS400, MS Word, and Excel; Windows version 8. References Available upon request