Sandra Williams is seeking a position as an underwriter with experience underwriting subprime, conventional, and FHA loans. She has over 15 years of underwriting experience at various mortgage companies. Her experience includes underwriting, reviewing loan files for completeness, ensuring data is entered correctly into origination systems, and collaborating with other departments. She is bilingual in Spanish and holds licenses and certificates in underwriting, real estate, and customer service.

1. Sandra L. Williams
925-705-0977 www.linkedin.com/pub/sandra-williams swilliams8899@comcast.net
Objectives
To secure a position with a well-established organization with a stable
environment that will lead to a relationship in the field of underwriting. A
position that will enable me to use my strong organizational skills, education
background, and ability to work well with people.
Attributes
 High Integrity
 Self-Motivator
 Attention to detail and accuracy
 Effective decision-making and
problem solving
 Strong organization and time
management skills
 Subprime and Forensic
underwriting
 Bilingual-Spanish
 Customer Service Certificate
 Knowledge of FNMA/FHLMC,
investor guidelines
 Ability to multi-task and meet
deadline driven environment
Experience Lending Home
Sr. Underwriter Hard Money 3-1-15-Present
 Underwrite mortgage loans in compliance with company credit
guidelines and regulatory requirements.
 Review loan files for completeness, identify missing documentation,
and generate condition lists for the applicants.
 Collaborate with the loan processor and sales person to complete the
credit analysis in a timely manner.
 Ensure that the correct data is entered into the loan origination
system.
 Responsibility for reviewing and owning all loan file detail prior to
submission to closing manager including work done by all upstream
partners.
 Work with loan processors and closers to ensure a smooth handoff of
the files occurs.
 Manage constant deal flow and prioritize to ensure loans close on time
with a high degree of accuracy in a deadline-oriented environment.
 Identify and report any suspected fraudulent activity occurring with any
stakeholder and escalate issues to the appropriate management when
necessary.
 Keep abreast of all company policies and procedures as well as
federal and state regulatory changes by participating in in-house
training events.
Fremont Bank (Contract Underwriter) 12-2-14 – 2-30-15
Sr. Underwriter III Retail
Upfront Underwriter for retail division.
 Quota 3-6 files per day.
 DU and LP proficient
 Appraisal review and final underwriting for team.
 Report daily work on excel reports.
 NMLS# 042978

2. RPM Mortgage 2/1/13 – 6/28/14
Sr. Underwriter III Retail
 Upfront Underwriter for a correspondent lender. Loan Analysis for
conventional, high balance, (authority to $625,000) and Mortgage
Insurance LTV over 80% loans.
 Credit evaluations were electronically reviewed. Paper free
environment.
 Quota of 3 files per day and exceeded goal.
 Reviewed and complied with 7 investors.
 Signed off own conditions indicated as Underwriter to review.
PMI Mortgage Inc. in Rehabilitation 8/9/09 – 1/30/13
Risk/Compliance Underwriter
 Forensic underwriting and analysis of loan files from various lenders.
Approx. 2,490 files during the time with PMI Mortgage.
 Extensive through understanding of complex personal and business
financials.
 Create and submit clear, concise, and defensible rescission letter for
audit and legal review to attorneys.
 Exceeded daily goal of 2.25 reviewed files, department goals for
productivity and quality with in 24 hour turnaround time.
 Comprehensive understanding of FNMA/FHLMC guidelines and
mortgage Insurance requirements.
Areotek Staffing 2/07 – 5/07
Option One Mtg. (laid off/company closure)
Contract Sr. Underwriter
 Contract underwriter for Lehman Brothers guidelines, 5 files per day.
 Communicated daily with brokers and account representives.
J.P. Morgan Chase (Home Equity Division)
Sr. Underwriter (Retail) 01/01 – 12/06
 Underwriting 1st
and 2nd
loan products for home equity increasing bank revenues.
 Worked closely with agent and brokers.
 Conducted final review for ready to close loans for mortgage perfection
requirements resulting on average of $35 million per month.
BNC Mortgage
Sr. Underwriter (subprime) 1997 – 2001
 Underwriting 1st
and 2nd
loans for subprime lending adhering to policies and
guidelines. Worked with agent and brokers.
 Served as one of two underwriter for 12 loan officers.
 Underwriting authority to $350K
 Employee of the month June 2000.
Licenses/Certificates

3.  Fundamentals of FHA Certificate (Jan. 2013)
 Real Estate Associate License (Exp. 5/2017)
 Commissioned Notary Public (Exp. 06/17)
 Customer Service Certificate (National Retail Federation)
Additional Education
H & R Block Course, Bank One University: AGI and SAM Tax Analysis Course,
ALLREGS Courses: FNMA/FHLMC, Fair Lending, Fraud Detection and Prevention,
Good Faith Estimates, Safeguarding Client Information, DVC: Principals of Real Estate
and Escrow instructions.
Technical
Skills
 Microsoft Word 08
 Microsoft Excel
 Microsoft Outlook
 Microsoft Access
 Keyboarding 50 wpm
 Microsoft PowerPoint
Community Services
 Monument Crises Center Concord, CA
 Food Bank Contra Costa County
 Salvation Army (Christmas)
 Volunteer Done in a Day (PMI Mtg. Volunteer Program)