Ederson Perin

Talented and accomplished QC Credit Auditor, Senior Mortgage Underwriter, Senior Closer, and Loan Coordinator II with 25+ years of experience in the mortgage industry. Extensive background in agency, government, Non-QM, and complex loan structures including DSCR, jumbo, and private-securitized products. Strong ability to analyze risk, structure loans, and ensure compliance with investor and regulatory guidelines.

Proven record in underwriting, quality control, forensic audits, and secondary market support. Excellent interpersonal and communication skills with experience training and mentoring underwriting teams.

Sr. Quality Control Associate at Easy Street Capital (2024-05 – Present)

Perform underwriting and quality control reviews of Non-QM real estate investor loan files to ensure accuracy, completeness, and compliance with underwriting guidelines. Review loan documentation including data tapes, income and asset documentation, rent rolls, cash flow analyses, and underwriting summaries to validate credit decisions and risk assessments. As a Senior Due Diligence Associate, review executed loan documents, closing packages, and settlement statements to ensure accuracy, completeness, proper execution, compliance with underwriting requirements, and appropriate disbursement and release of escrow funds.

• Provide coaching and training to Credit Analysts and Senior Credit Analysts, delivering feedback and recommending corrective actions to improve underwriting quality and consistency.
• Review executed loan documents, closing packages, and settlement statements to ensure accuracy, proper execution, and compliance with escrow and funding requirements.
• Serve as a primary contact for third-party review firms (TPRs) and secondary market investors to resolve loan-level exceptions and support timely loan sales.

QC Credit Auditor / Underwriter at Draper and Kramer Mortgage Company (2020-03 – 2023-05)

Responsible for conducting auditing, analyses, and reporting on mortgage transactions across all lines of business for underwriting management. Evaluate loan selection, underwriting decisions, pricing, and loan issuance activities to ensure compliance with company policies, investor requirements, and current underwriting guidelines

• Identified underwriting deficiencies, documented findings, and provided corrective action recommendations to improve overall loan quality and consistency.
• Maintained expertise across Conventional, FHA, VA, USDA, Jumbo, Non-QM, and DSCR loan products.

Senior Agencies & Non-QM Underwriter III at Chase Bank (2017-04 – 2020-03)

Conducted underwriting and analyses of mortgage transactions across all lines of business to ensure compliance with company policies, investor requirements, and underwriting guidelines. Reviewed loan selection, underwriting decisions, pricing, and issuance activities, identifying deficiencies and providing recommendations for corrective action.

• Maintained expertise in agency, government, and non-agency mortgage products, including Conventional (Fannie Mae and Freddie Mac), FHA, VA, USDA, Jumbo, Non-QM, and DSCR loans, ensuring adherence to investor, regulatory, and company standards.

Contract Senior Underwriter at Waterstone Mortgage Corporation (2015-08 – 2017-04)

Underwrote residential mortgage loans including Conventional, Non-QM, and agency products. Analyzed borrower credit, income, assets, collateral, and overall risk.

• Approved or declined loans based on investor guidelines and ensured all documentation met underwriting requirements.
• Worked closely with processors and brokers to resolve conditions and complete loan files.

Forensic Underwriter at Treliant Advisors (2014-02 – 2015-08)

Conducted forensic underwriting and responded to investor repurchase and compliance demands. Performed closed-loan audits to determine eligibility under Fannie Mae, Freddie Mac, and Non-QM guidelines, identifying underwriting deficiencies, misrepresentation, and risk factors.

• Performed risk assessments, documented findings and conclusions in the Quality Assurance System (QAS) and determined appropriate recourse actions.
• Communicated review results to external third-party reviewers (TPRs) through formal repurchase and reimbursement demand letters.

Correspondent Contract Underwriter at TIB – The Independent Bank (2012-12 – 2014-02)

As a Contract Mortgage Underwriter in the Correspondent Division, underwrote, reviewed, and approved residential mortgage loan applications for Conventional (Fannie Mae and Freddie Mac), USDA, Private-Securitized, Asset-Based, and Non-QM loan programs. Evaluated borrower credit, income, assets, debt-to-income ratios, appraisals, title reports, PUD and condominium documentation, and closing packages to assess risk and ensure compliance with investor and company guidelines.

• Communicated underwriting decisions clearly and effectively to internal and external stakeholders while maintaining strong customer and business relationships.

Senior Underwriter (Loss Mitigation) at JP Morgan Chase Bank (2011-06 – 2012-12)

Responsible for underwriting mortgage forbearance and loan modification applications for borrowers in default at Chase within agency (Fannie Mae and Freddie Mac) and Non-QM loan types. Reviewed borrower financial information, hardship documentation, and loan history to determine eligibility for loss mitigation options. Evaluated applications in accordance with investor guidelines and internal Home Lending Default policies to ensure compliance and accurate risk assessment.

Analyzed loan-level data to determine appropriate workout solutions, including loan modifications and repayment alternatives.

• Ensured full compliance with investor guidelines and internal servicing policies, maintaining complete and accurate documentation of all underwriting decisions and supporting analysis.

Junior Underwriter / Senior Closer at Franklin American Mortgage Company (2006-04 – 2011-02)

Assisted in underwriting residential mortgage loans by reviewing borrower income, credit, assets, and collateral documentation in accordance with conventional mortgage guidelines and Non-QM loan requirements.

• Supported underwriting teams in clearing conditions efficiently and accurately, ensuring compliance with applicable loan program guidelines.
• Assisted the closing department with document preparation and funding processes to facilitate timely and accurate loan closings.

Loan Coordinator II / Loan Closer at Long Beach Mortgage / WaMu Bank (2001-08 – 2006-03)

Responsible for preparing all lender closing documents and ensuring accuracy, completeness, and compliance with applicable government and regulatory standards. Reviewed loan data and supporting documentation to generate required closing disclosures and final documents in accordance with company policies and investor guidelines.

• Coordinated with internal teams to resolve discrepancies prior to funding and ensure all closing conditions were satisfied.
• Ensured timely and accurate document delivery to support smooth and compliant loan closings.

Bachelor's Degree in Architecture – UNIMAR – University of Marília, São Paulo, Brazil (1997)