Cheri Walker 949-436-3157

ACHIEVEMENT: Bookkeeping/Accounting, Conventional/DE Underwriting FHA & Conventional Processor, FHA & Conventional Investor Delivery Supervisor, Auditor, Doc Drawer, Funder, Closer, Escrow, Purchasing & Sales, Servicing, Assisting of Branch Manager

EXPERIENCE:

2/7/13 7/26/13 Contract Underwriting- 2 Companies

Sr. Underwriter of Conventional FNMA, FHLMC following Investor/Company guidelines to make underwriting decisions on residential mortgage loan with Conforming and Non-Conforming credit limits. Auditing, processing and closing of loan documentation. 8/20/12 2/6/13 Luther Burbank Savings Bank Sr. Underwriter of Conventional FNMA, FHLMC following Investor/Company guidelines to make underwriting decisions on residential mortgage loan with Conforming and Non-Conforming credit limits. Auditing, processing and closing of loan documentation. 2/21/12 8/17/12 All Home Lending Conventional FNMA, FHLMC and FHA/DE Underwriting following Agency, Investor and Company guidelines to make underwriting decisions on residential mortgage loan with Conforming and NonConforming credit limits. Auditing, processing and closing of loan documentation which included secondary level approval and appraisal review, review and resolve secondary marking and escalated underwriting issues. 12/13/10 2/15/12 Home Savings of America Conventional FNMA, FHLMC and FHA/DE Underwriting following Agency, Investor and Company guidelines to make underwriting decisions on residential mortgage loan with Conforming and NonConforming credit limits. Verify, processing and closing of loan documentation which included secondary level approval and appraisal review. Review and resolve secondary marketing and escalated underwriting issues, impasse calls while corresponding directly with the investors.

1/20/09 12/10/10 Bank of America Home Loans Conventional Level V and FHA/DE Underwriting following Agency, Investor and Company guidelines to make underwriting decisions on residential mortgage loan with Conforming and Non-Conforming credit limits. Auditing, processing and closing of loan documentation which included secondary level approval and appraisal review, review and resolve secondary marking and escalated underwriting issues. 5/20/00 10/15/07 Broad Street Mortgage Conventional Level V Underwriting with single signing authority to $1,000,000. Direct Broker/Originator Contact and Retail Training and Lead, Auditing, Due Diligence, Self Employed Analysis, Fraud Analysis, Set up with Customer Service and working with escrow companies to close residential loans along with working with Investors for the purchase which included secondary level approval and appraisal review, review and resolve secondary marking and escalated underwriting issues and handle impasse calls.

Previous Employment included Supervisor and Accounting positions. Temporary positions for IRS during tax season.

EDUCATION: Mortgage Banking Certification, Underwriting, Servicing, Processing, Appraisal Review/Analysis, Self Employed Borrower Analysis, CA Real Estate License, Accounting and Computer Programming, High School/College courses in real estate continuing education and computer programming. High School Diploma

SYSTEMS/SOFTWARE: Including but not limited to Mortgage Ware, Loan Prospector, EFanniemae, Desktop Underwriter/Originator, Data Trac, Integra, Point, Mortgage Builder, Pro Lender and most industry packages including Clues and Zippy. Computer Software: Microsoft Word, Excel, Outlook, Works, Windows 8 and XP and previous versions, Internet sites for research and support.

OBJECTIVES: Team Management and Customer Service