Jason Warren214-282-77301902 S. State Highway 121 Apt 507Lewisville, Tx. 75067

jwarren@hotmail.com

Professional Profile

Solutions-oriented Underwriter possessing a unique combination of skills, including risk analysis and regulatory adherence. History of strategically identifying risks and effectively communicating to Line of Businesses leaders with possible solutions. Client-focused, highly accomplished and result-oriented in problem-solving and analytical planning offering extensive experience in Underwriting, Quality Assurance and Portfolio Management. Regulatory Analysis Complex Problem Solving Income Analysis Self-employed, tax

return

Correspondent Lending Retail, Refi and Purchase transactions Compliance Initiatives

Work History 2015-2016Underwriter II, Nationstar/ Mr. Cooper Irving, TX Analyzed full doc, HARP, and same servicer conventional loans Calculate income fixed, tax return, 1099 self-employed and salaried income sources, Analyze bank statement, retirement accounts, and other non-traditional income me

sources Fannie and Freddie mac investors Analyze title for liens, taxes and subordinations. Familiar with state guidelines title guidelines Analyze appraisals per investor guidelines Audit 1003/1008 for correct entry with attention to declarations, fees and all sections. Inspect loan for compliance reports and AUS finding and underwrite according to

finding and guidelines Stayed with SLA and production goals for individual and team Effective communicator with internal and external customers using resources

provided email, IM, and Skype and pho Encompass, ACES, LP, DU, MS Office, Excel, CU(Collateral Underwriter), Lotus Notes,

Outlook

2013 –2015Senior Underwriter III, Wells Fargo, Bedford, TX Calculated borrower income, expense variances, and DTI ratios to determine

customer household income and expenses prior to providing approval/declines.

Partnered with internal risk department to capture suspicious activity on accounts [EX: 000/999 Social Security Numbers, Occupancy issues, property mismatches etc].

Utilized a check-list method to document all findings to ensure all investor conditions met regulatory and Line of Business regulatory requirements.

Maintained 99.5% QA accuracy rating based on internal metrics that measured overall account analysis quality adherence.

Knowledgeable of RESPA & Regulation Z, E & B guidelines and utilization upon file review.

Analyzed flood certifications, titles and appraisals to ensure condition clearance prior

to referral to Closing Department. Served as SME to peers by providing detailed clarity on language included within

specific investor provisions. Maintained detail organizational, interpersonal, analytical and multi-tasking skills to

remain compliant with guidelines.

2010- 2013Underwriter , BANK OF AMERICA, Dallas, TX Served as SME for underwriting groups with complex risk scenarios. Responsible for

researching, procedure mapping and providing solution timely. Managed Multi-Investor escalation queue which required additional attention to

detail upon review as requirements vary. Responsible for working with internal loan processors/closing to obtain

documents/verbal acceptances prior to rendering decision. Required thorough documenting in order to ensure information was properly gathered.

Utilized outlined investor methodology when reviewing customers for retention solutions. Approval varying from Forbearances, Modifications, Short Sales or DIL.

Worked with the escalating Underwriter to point out policy gaps and provide clarity on next steps. Sometimes requiring escalation to senior management to obtain clarity from investor.

Prioritized workflow in order to ensure daily metrics were met (NOTE: Exceeded goal by reviewing 5 accounts per day).

Maintained 99% (Goal: 95%) quality assurance rating to exceed LOB requirements. Uploaded and tracked QA findings in SharePoint system for internal LOB’s to review

and dispute, if required.

2007- 2010Frontline Underwriter, HomeComings Financial, Dallas, TX Provided conditional approvals for default accounts prior to Quality Assurance

and investor referral. Validated (AU’s, DU and LP) findings by ensure procedure accuracy and making

process judgment calls. Analyzed tax returns, paystubs and other customer documents to determine pre-

investor underwriting decisions. Effectively communicated pre-investor underwriter decisions to SPOC to relay to homeowners.

Referred files to investor (GSE, NON-GSE and Government) for approval once internal file-ready request are complete.

Utilized all policy and procedures resources in order to make decisions on each account.

Teamed with internal/external peers in order to obtain resolutions and clear outstanding file risks and integrity issues.

Enhanced work effectiveness by remaining organized and detailed with account directives.

2006-2007Lead Underwriter , EMC Mortgage Lewisville, TX

Reviewed, examined, and underwrite Alt A, subprime and prime loans.

Identified risk issues and potential fraud. Signing authority 800,000. Underwrote post closed loans for correspondent lending

manual and AUS underwrites. Met daily goals of 8 loans daily: 4 new and 4 resubmits

with conditions. Customer service, returned all calls and emails according

to policy and procedures. Communicated policy and procedure to our customer base

and various departments.

2003-2006Underwriter, Clayton Group Shelton, CT

Secondary market review, examined, and underwrote post closed loan packages and correspondent lending.

Alt A, subprime, prime loans, FHA,VA and HELOCS, refinance and purchase.

Identified risk issues and potential fraud. Underwrote loans for many different companies and sites

across the US and surrounding territory’s. Manual and AUS underwriting.

1999-2003Underwriter, Green Point Mortgage Frisco, TX

Recruited to perform Frontline underwriting on Alt A and Prime , and jumbo loans

Signing authority of 500,000. Implemented training course for new recruits — speeding

profitability.

Additional Skill Leadership Skills: Technical Skills: Strategic Skills:Effective Communicator AML/BSA RESPA, Quantum/BlitzProcess SME MSP, DU, DW, AS400, SAR,

LenderLive, DataVerify etc.Quality Assurance

Project Management Microsoft Office Suites (Visio, Excel, Word, PowerPoint)

Research/Risk Analyzing

EducationCollege: University Of North Texas Denton, TX (Currently 2016)Real Estate Finance Paul Quinn College Dallas, TXAttendance Years: 1999-2001

Military: The United States Army (Gulf War Veteran)Years Active: 1989-1992

References [References are available upon request.]