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 HomeSr. 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

RPM Mortgage 2/1/13 – 6/28/14Sr. 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 – 1/30/13Risk/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 – 5/07Option 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 MortgageSr. 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

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 EducationH & 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)