Cynthia Gail Messina Messinac98@gmail.

com 760-953-8559 Summary: * Over 15+ years of experience in mortgage industry in different roles to incl ude Supervisor, Underwriter, Loan Originator with a proven record of productivit y, quality, and integrity with a diverse mortgage banking background. * Full understanding of manual and automated underwriting practices. * Fully versed in cash flow analysis of personal, partnership, and corporate t ax returns, to include schedule E income analysis. * In-depth knowledge of FNMA/FHLMC, Jumbo, and FHA/VA guidelines. * Experienced in Retail, Wholesale, and Correspondent Mortgage Lending. * Excellent time management skills; ability to multi-task. recommendations for changes to improve, resulting in many awards for efforts. * High volume of underwriting required with ability to multi-task being paramou nt. * High producer with attention to detail. * Strong analytical, problem solving, and negotiation skills. * Team Player; Self Motvated. Certification: FHA Direct Endorsement Underwriter with current Chum's number. License: California R.E. Licensee for 7 years. Mortgage Underwriter III Alaska USA Mortgage, Apple Valley, CA Aug 2010 - Mar 2011 * Underwrote to FNMA/FHLMC, FHA, guidelines. Familiar with for B of A, U.S Ba nk & Wells Fargo overlays. * Performed Paperless Underwriting of loans for final approval. * Analyzed income and credit documentation as well as appraisal and title comm itments to ensure proper risk analysis on complex loan packages while demonstrat ing a strong analytical reasoning. * Perform cash flow analysis on personal, corporate and partnership tax return s. * Manual and automated underwriting required. * Identify exceptions to company policy and recommend alternative solutions. * Ensure Loan meets investor guidelines: FHLMC, FNMA, Wells Fargo, Chase , Ban k of America, and US Bank. * Underwrote loans for California, Alaska, and Washington Branches. ECD/Hope Credit Union, Jackson, MS Apr 2008 - June 2009 Retail Underwriter/Operation Supervisor * Underwrote to FNMA/FHLMC, FHA/VA, Jumbo and In-House Portfolio loans. * Developed recommendations to strengthen the design of financial internal con trols, business process controls and their operating effectiveness. * Supervised Underwriting, processing, funding, shipping, insuring, and cleric al staff to include all training in each department for staff of (8) employees. * Reviewed declined loans by staff underwriters for 2nd look consideration * Responsible for quality control reviews, to include identifying components th at indicate a potential for fraud. * Responsible training for both operation and sales staff on underwriting guid elines. Wells Fargo Mortgage, Springfield, IL Nov 2005 - Nov 2007 Wholesale Sr. Mortgage Underwriter * Manually underwrote to Alt-A ,FNMA/FHLMC, Jumbo, and Community Homebuyer gui

delines. * Took active roll in identifying potential challenges within the underwriting process and/or department. * Analyze income and credit documentation as well as appraisal and title commi tments to ensure proper risk analysis on complex loan packages while demonstrati ng a strong analytical reasoning. * Identify exceptions to company policy and recommend alternative solutions. * Made recommendations for changes to improve, resulting in many awards for eff orts. * High volume of underwriting required with ability to multi-task being paramou nt. Analyze income and credit documentation as well as appraisal and title commi tments to ensure proper risk analysis on complex loan packages while demonstrati ng a strong analytical reasoning Richard Michael Group, Chicago, IL Jun 2005 - Nov 2005 Contract Underwriter * Contract Underwrote for Wells Fargo Mortgage, Springfield, IL to full-time p osition with Wells Fargo Mortgage. * Familiar with the manual and automated systems used in loan underwriting. * Underwrote to Alt-A residential guidelines, review loan-to-value ra ios, cre dit reports, income, employment, assets, title documents, insurance, collateral, to ensure that each loan meets credit policy and lending guidelines. * Identify exceptions to company policy and recommend alternative solutions. Aurora Services, Littleton, CO Oct 2004 - Mar 2005 Sr. Correspondent Underwriter * Underwrote to Non-Conforming underwriting guidelines with 1,000,000 signing authority. * Minimum requirement of (7) loans underwritten per day (exceeded on daily bas is). * Heavy volume of high dollar, and self-employed income analysis required. * Analyzed income and credit documentation as well as appraisal and title comm itments to ensure proper risk analysis on complex loan packages while demonstrat ing a strong analytical reasoning * Perform cash flow analysis on self-employed borrowers, Schedule C, Corporate , Partnership tax returns; and investment properties. South Star Funding, Westminster, CO Jul 2003 - Oct 2004 Sr. Retail Underwriter * Manually underwrote Sub-Prime loans to various Investor Guidelines with larg e product base. * Analyze income and credit documentation as well as appraisal and title commi tments to ensure proper risk analysis on complex loan packages while demonstrati ng a strong analytical reasoning. * Review loans for completion, credit history, income documents, title docume nts, and collateral. * Heavy volume of self-employed and high dollar loans. PMI, G.E, RMIC, Radian Dec 2001 - Jul 2003 Mortgage Insurance Contract Underwriter * Contract MI Underwriter for various Banker's in the Sacramento, CA Bay Area.

* Automated Underwriting to MI, FNMA/FHLMC/Non-Conforming guidelines. * Review loans for completion, credit history, income documents, title documen ts, appraisals and applicable compliance documents. * Heavy volume of self-employed and high dollar loans. * Required to have knowledge of investor guidelines to adjust to individual in vestor requirements or improvements. * Understanding the quality and conformance issues of either government or con

ventional programs. * Maintain a sound knowledge of secondary market activity, practices, and busi ness/industry practices as they impact underwriting quality and origination acti vity. * Identify risk issues and potential fraud, conduct quality control and pre-fu nding audit, create detailed loan-level reports based on audit findings, investi gate and respond to investor inquiries regarding non-performing loans. * Understanding of traditional mortgage origination and underwriting practices . Countrywide Home Loans, Sacramento, CA Nov 2000 - Dec 2001 Assistant Vice President of Operational Support * Improve the operational integrity of Region by monitoring Branch compliance. * Coaching Branches to perform to Countrywide practices and branch workflow. * Train employees on new corporate initiatives and implementation of new proce dures. * Streamline operational process; perform annual branch audits for RVP. * Train branches on any and all compliance findings. * Back-up for Operational Manager's, Underwriter's, and Closing departments. * Extensive travel required to (5) Regional Branches to include Las Vegas, NV, Sacramento, CA, Danville, CA, San Jose, CA, and Tiburon, CA. ComUnity Lending, Sacramento, CA Aug 1996 - Nov 2000 Retail Branch Manager/Loan Originator * Responsible for the direction of all activities for this Satellite Branch. * Underwrote, drew documents, funded, shipped, and insured all loans, * Underwrote to FHA, FNMA/FHLMC, and Non-Conforming guidelines.. * Reviewed appraisals, title commitments, tax certificates and surveys. * Re-submission of loan applications through Freddie Mac and FNMA automated un derwriting. Cleared all conditions and prepared loan for closing. * Reviewed and approved settlement statements and ensured loans closed and fun ded. * Supervised clerical staff. Western Sunrise Mortgage, Rancho Cordova, CA Mar 1991 - Aug 1996 FHA/VA Wholesale Underwriter * * * * * FHA D.E, VA Automatic wholesale mortgage underwriter. One of Sacramento, CA largest Government Lenders Handled Heavy volume of Manual FHA underwriting. Processing, Originating, Underwriting references to be provided at request. Identify exceptions to company policy and recommend alternatives.

* Accredited D.R.E. Courses: R.E Appraisal, Business Law, Escrows, * R.E. Finance and R.E. Practices.