Jana Lillis

Summary

To analyze Layers of risk and compensating factors. Consistently exercising sound discretion and judgment. I ensure loans approved make sense. I have the ability to show a borrowers willingness and ability to qualify for the transaction that best fits their present and future needs I am focused on outstanding Customer Service, error-free processing and efficient turn time. My auditing skills and review experience has followed me to become an outstanding Underwriter. In addition, I possess excellent written, verbal and listening skills. My ability to think on my feet has demonstrated me to be an asset to my business Profession for 18 years of my career. I am well organized and enjoy superior analytical and problem solving skills.

Work History

Work History

Senior Underwriter

Reviewed Borrowers loan application to insure completeness, compliance and data

Verified and confirmed information listed on application and obtained additional documentation required for sale of loans to secondary market. Dealt with Borrowers , attorneys, Brokers, underwriters and compliance department.

Walked the Borrower if retail and broker if wholesale through the application process.

Trained other underwriters for good performance in other branches.

Evaluated Mortgage Loans within compliance of company and federal Guidelines

Aug 2008 - Present

Due Diligence Underwriter

Beal bank

Review Of bulk closed Loans For Purchase. From Defaulted Banks. Job requires Full Manual Underwritng of loan Based on PDF file submitted by 3rd party Lender. Once Data is captured Loan is underwritten based off of current Credit history. These loans can be current and in default . Once we submit our rating of the Loan. President of Beal Bank reviews and Purchases loans based off of the Underwriters rating.

These Bulk loans consist of 150-1000 loans in each bulk. Required to underwrite 8-10 full loans per

day.

This Job Requires on and off-site Underwriting based on the agreement between the bank and the other Third d party bank .

Nov 2007 - Aug 2008

Senior Mortgage Underwriter

Wachovia Mortgage

Reviewing exasmining and underwriting Loans to ensure soundness, Business value and compliance with company investor standards. Assessing loan attributes and documentation for soundness and accuracy. Reviewed ,evaluated and syntesized data to ascertain loan visibility and identify risk issues and potential fraud. Evaluating debt ratio, Loan to value, Credit worthiness, property valuation  and various other factors. determind and documented loan conditions and communicated requirements and deciosion of loan with Branch sales and Borrower.

May 2004 - Nov 2007

Senior Underwriter

Resume Mortgage

Several years in Retail and Wholesale Banking comprised of Underwriting, Processing of Conventional Loans and Reverse mortgages. Strong analytical skills defusing and managing customers expectations with the ability to retain and increase customer satisfaction based on sound work ethics, integrity, respect, trust and hard work.

Evaluate and compose the best way to meet the customers current needs and satisfaction while remaining in compliance with state regulations. This consisted of review of appraisals, credit reports, surveys, title reports, income documentation including tax returns.

Prepare and compile documents for loan submissions via lender web-site and pre-qualify borrower for approval.

May 2002 - May 2004

Senior underwriter

WELLS FARGO

 Originate Mortgages for home Purchase, refinance, and New constructionustomize loan programs tailored to meet the financial needs of individual clients.

Review and analyze loan transaction for preliminary approval in accordance to Bank guidelines. Solidify contact with customers to find proper programs and financing.

Review credit reports, analyze income statements and perform underwriting of income versus debt and combined worthiness.

evaluated the subject property and financial strength and credit worthiness of the borrowers. Authorized to approve up to $1 million dollar loan amounts.

Examined, evaluated and recommended approval of customer applications for jumbo loans and prepared jumbo loan packages for review by Major Private investors.

Served as an advisor and answered underwriting questions for loan consultants, Brokers, Loan officers and originators.

Evaluation of conventional loans according FNMA,FHLMC, per compliance knowledge of DU and LP . 

Review and analyze loan transaction for preliminary approval in accordance to Bank guidelines Solidify contact with customers to find proper programs and financing .Review credit reports, analyze income statements and perform underwriting of income versus debt  and combined worthiness. evaluated the subject property and financial strength and credit worthiness of the borrowers Authorized to approve up to $1 million dollar loan amounts. Examined, evaluated and recommended approval of customer applications for jumbo loans and Served as an advisor and answered underwriting questions for loan consultants, Brokers, Loan officers and originators. Evaluation of conventional loans according FNMA,FHLMC, per compliance knowledge of DU and LP

prepared jumbo loan packages for review by Major Private investors. 

Education

Education

Belford high School Contact 866-426-1247