Background

My objective is to venture out of Mortgage Banking and focus on applying my skills and experience to other industries. My talents in the Real Estate and Mortgage Industry range from Real Estate Admin, Loan Originations, Processing, Underwriting, and Servicing allow me to adapt to different programs and position requirements with ease. I have transferable skills that may be applied to new jobs, and they are listed as follows: • Innovative Thinker • Problem Solver • Mentor • Credit Analysis • Risk Assessment • Team Collaboration • Critical Thinking • Leadership • Communication • Documentation Auditor As I phase out of Mortgage Banking into a new and exciting career, I believe a change in industries is a wise choice for success and growth. Thank you in advance for this opportunity. Please call me to arrange a first meeting. I can be reached at 323-356-9528 or [email protected]. Best regards, Roberta L. Martinez

Job experience

• July 2022 - September 2023
  Contract Mortgage Underwriting/Processing/Quality Control Auditing
  California Mortgage Services
  

  Remote-Castaic, CA, USA

  Non-QM & Conventional Underwriting/Processing- Work for various Mortgage Brokers in Southern California. Engaging with
  Borrowers to complete the beginning processing documentation and assisting MLO's on program qualifying for Non-QM,
  Private/Hard Money, and Conventional Products. Pre-Underwrite files to Lender’s guidelines and policies. Assist with resolution for
  high-risk products with acute decision making and critical thinking to align loans targeted to be beneficial to Lenders' and Borrowers'.
  Adhering and adapting Team concept and mentoring to improve education & knowledge to parties such as Brokers, Borrowers,
  Processing, Mortgage Loan Officer, or any other parties involved with a loan transaction.
  
  Quality Control & Post Closing Auditing- Ensure loans are in full compliance with all Federal and State rules, regulations and laws
  governing mortgage lending. Guarantee that the re-verification activity is complete and validates the information used by the client
  to approve and close the loan. Perform prefund and post close audits to ensure that the underwriter followed specific AUS guidelines
  and that loans are compliant and properly underwritten. Recommend corrective action relative to quality assurance findings. Assisting with curing deficiencies with repurchase buy-backs, conducting re-underwriting analysis and loan restructuring.

• July 2021 - June 2022
  Sr. Non QM & Super Jumbo Underwriter
  FGMC
  

  Remote-Plano Texas

  • Analyzed and evaluated income, assets, liabilities, and property while upholding deadlines and ensuring the collection of all required documentation for conventional, jumbo, super jumbo, Non-QM, and HELOC financing.
  • Utilized Automated Underwriting System (AUS) AI technology to gather client information, analyze the data, and generate recommended conditions required for loan approvals.
  • Conducted quality reviews on post-closing financing defects in the secondary market.
  • Examined financial statements, tax returns, income statements, credit reports, appraisals, and other pertinent information by employing fraud detection and compliance reviews, resulting in 100% quality scores.
  • Facilitated efficient mortgage pipeline management to fund $15-20M through forward-sale commitments and pipeline hedging to mitigate risks and increase profitability.
  • Communicated with lending professionals, such as the sales team, loan processors, and key stakeholders, to secure all required documentation and advise on processing status.
  • Built successful B2B relationships promoting trust, loyalty, and integrity and establishing a presence as a reliable, proven resource of products and services with corporate partners and consumer leads.
  

• March 2020 - April 2021
  Sr. Mortgage Underwriter
  Guaranteed Rate
  

  Remote- Chicago, ILL

  • Examined financial statements, tax returns, income statements, credit reports, appraisals, and other pertinent information by employing fraud detection and compliance reviews, resulting in 100% quality scores.
  • Facilitated efficient mortgage pipeline management to fund $15-20M through forward-sale commitments and pipeline hedging to mitigate risks and increase profitability.
  • Communicated with lending professionals, such as the sales team, loan processors, and key stakeholders, to secure all required documentation and advise on processing status.
  

• July 2019 - February 2020
  Sr. Mortgage Non QM/Jumbo Underwriter
  Provident
  

  Glendale, CA, USA

  • Reviews & analyzes loan for Income, Collateral and Credit Analysis for Underwriting decisions Responsible for all post- closing issues arising for sale to secondary markets.
  • Underwrites to all types of loan transactions conventional, Jumbo, Non-QM & Super Jumbo products.
  • Underwriting to assist with salable loans on secondary market.
  • Provides mentoring and training for all staff members including sales on current guideline & procedures.
  • Performs Manual Underwriting and credit Analysis with Automated AUS System
  

• August 2018 - May 2019
  Underwriting Manager
  Simply Loans
  

  Glendale, CA, USA

  • Reviews and analyzes loan files submitted to ensure the file meets loan program requirements.
  • Responsible for day-to-day operations consisting of Loan Opener, Processor, Underwriter & Funder
  • Underwrites to all types of loan transactions conventional, Jumbo, Non-QM & Super Jumbo products.
  • Provide mentoring and training for all staff members including sales on current guideline & procedures.
  • Due Diligence Underwriting to assist with salable loans on secondary market.

• August 2017 - July 2018
  Sr. Loan Underwriter
  The Money Source
  

  Remote-Melville New York

  • Reviews and analyzes loan files submitted to ensure the file meets loan program requirements.
  • Implemented ambitious standards of underwriting policy, which resulted in 100% Quality scores.
  • Underwrites to all types of loan transactions conventional, Portfolio & Super Jumbo products.
  • Performs Manual Underwriting and credit analysis without automated underwriting systems.
  • Underwrites 2-3 files per day, clears conditions for funding, prior to Doc and suspense.

• August 2015 - April 2017
  Sr. Underwriter
  California Credit Union
  

  Glendale, CA, USA

  • Reviews and analyzes loan files submitted to ensure the file meets loan program requirements.
  • Implemented ambitious standards of underwriting policy, which resulted in 100% Quality scores.
  • Underwrites to all types of loan transactions conventional, Jumbo, Portfolio & Super Jumbo products.
  • Performs Manual Underwriting and credit analysis without AUS.

• January 2014 - January 2015
  Contractor Sr. Mortgage Underwriter
  California Mortgage Services
  

  Remote-North Hollywood, CA

  • Reviews and analyzes loan files submitted to ensure the file meets loan program requirements.
  • Underwrites to all types of loan transactions conventional & Super Jumbo products.
  • Performs Manual Underwriting and credit analysis without automated underwriting systems.
  • Underwrites 2-3 files per day, clears conditions for funding, prior to Doc and suspense.

• March 2011 - November 2013
  Mortgage Underwriter
  Bank of America
  

  Pasadena, CA, USA

  • Negotiated and sold up to $25M in Fannie Mae and Freddie Mac loans which reduced corporate balance sheet debt, regained investment capital, and secured faster profits.
  • Trained and mentored all staff members, including sales, on current guidelines, regulations, and procedures to perform high-quality manual underwriting reviews and determinations.
  • Managed the approval or disapproval of purchase applications and refinance vehicles following the Federal National Mortgage Association (FNMA) and Federal Housing Loan Mortgage Corporation (FHLMC) guidelines ensuring solvency.
  • Assessed and managed all risks associated with the business objectives and activities, ensuring adherence to and support of the corporate mission and the risk management framework.

Education

• Arroyo Grande High School
  GED
  

  1980 - 1984

  General Education

• Mortgage Licensed Originator
  NMLS
  956170
  

  January 2013 - March 2013

  IInactive License