Lucinda Demeter 33 Countryside Drive Saint Charles, MO 63304 Home (636) 244-0510 Cell (314) 503-9794 Email-ld12726b8@westpost.

net Level two Mortgage Underwriter for Wells Fargo Home Mortgage, decision loans und er Fannie Mae, Fannie Mau DU and Freddie Mac guild lines. Contract for Advantage Sales and Marketing for Sam's Club, I prepare food and s erve free samples to the customers and also advertise other non eatable products and tell them about the product that I have prepared for them in the store. Independent Contractor for 4-Sight Counseling as a Housing Counselor, worked wit h clients face to face or over the phone and with their servicer to help stop fo reclosure procedures. Independent Due Diligence Mortgage Underwriter and Compliance Auditor with a bac kground in research and analysis, I am familiar with underwriting guidelines, fr aud, scratch and dent and collections and all legal documents, income calculatio n, reviewing credit reports and scores, appraisals, and title reports. I have ex perienced in training and supervision of personnel, have extended communication skills and am proficient in numerous computer programs applications. My knowledge and experience are a compilation of over 30 years in customer servi ce for 18 years the real estate, mortgage lending industry. I have developed a w ide variety of skills throughout the course of my career and feel confident that I will be an asset to the organization. For 5.5 years I have been an independen t contractor participating in assignments for numerous companies. My training an d experience includes to the following functions. Work History: Level Two Underwriter October-2010-February-2011 Wells Fargo Home Mortgage I was responsible for reviewing Fannie Mae, Fannie Mae DU and Freddie Mac guild lines and making a decision per borrower's credit history. I would make calls or email to the borrower and the processor and loan officer. I analyzed and decis ion the loan. Event Specialist April-2010-Present Advantage Sales and Marketing, Sam's and Walmart I was given a print out for the day to see what I would be serving the and how t o set it up. I would prepare my cart and set up my station with the product. I would introduce myself to the customers and tell them about product that I was a dvertising. Independent Contract Housing Counselor February-2010-April 2010 4-Sight Counseling, Cape Girardeau, MO Had private interviews with clients in person and or over the phone that were fa cing foreclosure or behind on their mortgage payments and the sale of their home . Clients brought personal paper work in and filled out proper paper work for o ur company. Gathered information and faxed authorization to servicer to work as a third party for the client. Bartender September-2008-Janurary-2010

Eagles Nest Pub and Grill I served customers food and drinks. I counted my starting cash for the register and balance out at night. Carried on conversation with the customers and made t hem feel at home. I stocked and ordered products we needed for the week. I woul d clean the bar before closing up at night. Independent Contract Processor April-2008-May 2008 Workway, Inc., St. Louis, MO I was assigned to Countrywide Mortgage. I registered, originated and processed n ew loans into the system and sent files to underwriting. I answered incoming cal ls and made out going calls to customers. Independent Contract Due Diligence Mortgage Underwriter November 2002-August 2007 MDMC, PCI Staffing, Elmwood Park, NJ I worked for PCI Group for assignments from April 2007 to August 2007. I was ass igned to Mortgage Data Management Corporation (MDMC) and contracted for Countryw ide Home Mortgage in Richardson, TX from July 08, 2007 to August 29, 2007. I was responsible for underwriting home equity line of credit and second mortgages. I analyzed applicant's financial status, credit, and property evaluations. Approv ed loans up to 100,000 and had a second signature for loans that had a higher lo an amount. I calculated amounts of debt and funds available in order to plan met hods of payoff. I was assigned to Clayton Group from November 2002 to March 2007 as a Due Diligence Underwriter. I was responsible for reviewing borrowers' inco me, credit worthiness, property value and clearing title. Reviewed regulatory co mpliance related documents to ensure conformity with federal, state and local re gulations. I did performing and non-performing portfolio reviews for single fami ly, multi-family, mixed use and small commercial loans. Post Closing Analysis re views of individual loans. Review and analyze credit report and other documentat ion for mortgage and other credit history. Reviewed disclosures and closing docu ments including: loan product parameters, as expressed on notes and riders, TIL disclosures and components. HUD-1 Settlement Statement including typical finance and non-finance related fees. Support and review closed loan files prior to sta rting the due diligence process to ensure quality control and data integrity. I did fraud review of loans for potential settlement or borrower's fraud prior to lender acquisition. Skills: Communication skills-written and verbal, persuasive, problem solving, adaptabili ty, initiative, judgment, work under pressure, high energy level, can lead other team mates, Microsoft word, Excel, PowerPoint, 10 key touch, telephones, word processor, printers, interface clients, multi phone-lines, fax machines, scanner , filling, typewriters, AS400, LIS. Education: Cairo High School Cairo, IL High School Diploma Shawnee College Ullin, IL, Minor Studies Draughons Business College Paducah, KY, Business Classes Metro Business College Cape Girardeau, MO

Certificate in Information Processing/Computer Operator Specialist University of Phoenix Online English Classes