Carmen R.

Rovira
65 Sierra Vista, American Canyon, CA 94503
cred98f8@westpost.net
707 319-9810 Cell / 707 319-3969 Alternate
Objective: Mortgage Loan Underwriter 3
Summary of relevant work experience, duties and Employment History
Conforming and Non-conforming, 1-4 units, residential mortgage loan underwriter
since 1998. Exposure in retail, wholesale and correspondent lending environmen
ts.
Underwriting purchases, refinances, helocs and exceptions to final disposition
of approval, exception, denial or withdrawal.
Most recent signing authority up to $729,750 loan amounts. Prior highest lendi
ng authority $1, million with Central Pacific Mortgage and California Mortgage A
dvisors.
Proficient manual loan underwriter for Full and Alternative or Limited document
ation programs.
Review/analyze loan applications and documentation for completeness and data in
tegrity in areas of credit, income including self-employed, assets and property.
Ensure meeting of loan terms, product/program matrix, guidelines, fraud, risk
assessment and compliance policies.
Calculate loan to value, debt to income ratios and verifying sufficient funds t
o close.
Efficient user ability with Desktop Underwriter and Loan Prospector automated u
nderwriting applications.
Confident skills for use of various underwriting applications Genesis, Datatra
k, Calyx Point, Empower, LPS and Lift or Filenet imaging document system.
Act as liaison for follow through of loans with: mortgage brokers, account ex
ecutives, processors, document, funding and management departments
Certificate for Residential Underwriter Level II from the Mortgage Bankers Asso
ciation, Jan 13, 2006. Completion of the Mortgage Bankers Association Residenti
al Underwriter Level III courses, Jan 30, 2009. Certificate for Mortgage Underw
riting Advanced Lessons - Jan. 29, 2010, Due Diligence - Feb.26, 2010 and Certi
fied FHA Credit Examiner - April 5, 2010 from Mortgage Underwriting University I
nc. /FHA On-line University. Currently enrolled in FHA/VA Underwriting & DE Cou
rses.
Recent added experience as a Part-Time Acting Administrator for a small sole-pr
oprietor, start-up business. Set-up bookkeeping, invoices, service contracts, p
ricing, marketing systems, policy and operating procedures. Perform regular main
tenance in these areas and for the business website. User friendly skills for M
icrosoft Office Outlook, Word, Excel 2007 and Intuit - QuickBooks applications.

Mortgage Interim Loan Underwriter 3

Wells Fargo Home Mortgage
08/10 to 10/10
Contract Underwriter
Silicon Valley Staffing Group
Wells Fargo Home Mortgage
03/09 through 07/10
Acting Administrator
Pearl Elegance Limousines
09/08 present
Contract Underwriter
Headway Corp. Resources
Genworth Financial Services
Bank of America
10/06 through 02/09
Contract Underwriter
Triad Mortgage Insurance
D.R. Horton
09/06 to 10/06
Senior Loan Underwriter
Central Pacific Mortgage
07/05 to 08/06
Contract Underwriter
Headway Corp. Resources
Genworth Financial Services
Central Pacific Mortgage
06/05 to 07/05
Senior Loan Underwriter
Calif. Mortgage Advisors
10/04 to 05/05
Contract Underwriter
P.M.I. Mortgage Ins. Co.
SCME Mortgage Company
Travis Federal Credit Union
And
Headway Corp. Resources
GE Mortgage Insurance Co
08/01 to 09/04