Togarapi Deshu

I am a Loan Underwriter, passionate about my work. A courageous, hardworking and determined worker who needs little supervision and can accomplish given tasks.

PROFESSIONAL EXPERIENCE

ATLANTIC COAST MORTGAGE LLC

Remote Jan 2021 - to date

• Underwriting retail conventional,purchase, refinance, cash out, limited cash out, single-family residence, PUD, condo, 2-4 unit, and investments
• Conduct comprehensive risk assessments to make decisions regarding conditional approval, suspended, or declined statuses for borrowers.
• Entrusted with a lending authority up to $900,000; analyze financial documents, personal/business tax returns, self-employment income, cash flows, credit, assets, bank statements, and additional documentation to generate decisions.
• Gathered loan attributes and documentation, analyzed loan files to identify risk or potential misrepresentation, and assessed income, credit, appraisal, or equity loan files.
• Successfully completed 6-8 loan reviews daily. Conducted comprehensive evaluations of income, assets, credit reports, collateral, notes, mortgages, liens, titles, and appraisals.

All Lines Adjuster License, Texas December 2024.

MA in Theology (online) Liberty Bible Institute, Harare, Zimbabwe.