Demetria Morris

Experienced professional, offering more than twenty years of effective skills and proven abilities. Maintains a high level of dedication, commitment and integrity throughout the fluctuating markets and trends.

Mortgage Underwriter for more than 25 years with experience in conventional, non-conventional, direct, wholesale, FHA, VA.

· Performed initial review of mortgage applications for purchases, refinances, and HELOCs for an approval or declination decision using LPA, DU, and manual underwrites

· Set conditions for applications needing additional documentation to assist in decision making

· Reviewed credit reports to interpret applicants’ creditworthiness and identify any red flags

· Executed post-closed mortgage analysis and reviews to determine salability to Freddie Mac

· Conducted underwriting analysis to accept or return files to lender for repurchase based on key findings such as red flags and potential fraud based on Freddie Mac guidelines

· Organized and utilized resources to obtain documentation to support sustainability of loans

· Performed analysis and provided decisions on purchases and refinancing of home mortgages with LTV greater than 80% Included proper Mortgage Insurance (MI) to loan

· Review loan requirement changes to ensure decisions are made based on up-to-date program, company, and investor guidelines.

· Audited DU/LP findings and reported any feedback to the closing agent for further action per guidelines

· Performed quality control and compliance due diligence to ensure loans are categorized properly based on guidelines to avoid repurchasing

Associates in Business Management

University of Phoenix, July 2009