Luis Kellerman: Officer credit underwriter in Arcadia, CA

Proficient in Empower, completed Boot camp for senior underwriters in remote training. Knowledge in Portfolio products, Jumbo Loans, Freddie Mac and Fannie Mae products, Manual underwriting in highly complex consumer and mortgage relationships. Review and analysis of business financial statements and tax returns for personal, business, partnerships and corporations. Analyze mortgage credit with or without assistance of automated writing systems. Review credit documents for completeness and accuracy. Perform detailed review of appraisal to determine acceptability of security for many different loan types. Knowledge in LP, DU systems and manual underwriting. Currently working mixed pipeline for Portfolio products and purchases with community seconds, Fannie and Freddie.

Proficient in Bytepro, Doc Velocity, and completed Boot camp for senior underwriters in remote training. Knowledge in Portfolio products, Jumbo Loans, Freddie Mac and Fannie Mae products, Manual underwriting in highly complex consumer and mortgage relationships. Review and analysis of business financial statements and tax returns for personal, business, partnerships and corporations. Analyze mortgage credit with or without assistance of automated writing systems. Review credit documents for completeness and accuracy. Perform detailed review of appraisal to determine acceptability of security for many different loan types. Knowledge in LP, DU systems and manual underwriting. Funded average of 30 to 60 loans monthly. Currently working mixed pipeline for Portfolio products and purchases, Fannie and Freddie.

Underwriter Manager and QC manager, responsible for Wholesale and Retail loans, responsible for appraisal transfers, Collateral reviews, Exceptions process review. Knowledge in non QM products, Portfolio products, Jumbo Loans, Freddie Mac and Fannie Mae products, Lot loans & Manual underwriting in highly complex consumer and mortgage relationships. Review and analysis of business financial statements and tax returns for personal, business, partnerships and corporations. Analyze mortgage credit with or without assistance of automated writing systems. Supervise a large group of underwriters, team leaders, account managers.

REMOTE EMPLOYEE Proficient in NetOxygen, Doc Velocity, and completed Boot camp for senior underwriters in Minnesota US Bank corporate office. Knowledge in Portfolio products, Jumbo Loans, Freddie Mac and Fannie Mae products, Lot loans & Manual underwriting in highly complex consumer and mortgage relationships. Review and analysis of business financial statements and tax returns for personal, business, partnerships and corporations. Analyze mortgage credit with or without assistance of automated writing systems. Review credit documents for completeness and accuracy. Perform detailed review of appraisal to determine acceptability of security for many different loan types. Knowledge in LP, DU systems and manual underwriting. Responsible for credit risk review and guideline exceptions needed for Portfolio products. Funded average of 24 to 60 loans monthly. Currently working mixed pipeline for Portfolio products and Builder loans.

Branch 100/Branch 1007/Branch 245 /Branch 1271/6486 Brea, CA /Tustin/ Irvine /Pasadena/Westlake Village August 2010 to June 2016 Proficient in EDGE, STATUSMART and completed SASE level 3 qualification. Over 13 years of experience and knowledge in FHA, CONV, Non-Conforming, Commercial and VA loans. Responsible for my underwriting pipeline and duties as well with the pipeline of other underwriters and any overflow of loans to meet monthly goals. Funded units average 25 -35 loans monthly.

Responsible for the prequalification of borrowers to determine loan amount and programs qualifications. Structured loan programs to fit the borrower's qualifications and needs. Developed relationships with new and current realtors and borrowers to promote continuous business for Platinum Home Mortgage Corp. Structured and ran DU, LP for conventional loans. Proficient in VA, FHA, land, commercial and reverse mortgage loans. Managed all lead sources from our company website, and previous clients. Provided pricing, good faith estimates and pre-approval letters for all new loans. Managed the loan pipeline and provided daily status to all parties in the transaction. Administered the cross-qualification process for all new prospective purchase clients to make sure they were properly qualified for the correct program.

Responsible for originating conventional, commercial and FHA loans. Developed relationships with new and current realtors, builders and borrowers to promote continuous business. Interviewed and qualified prospective borrowers. Advised borrowers of all lock-in policy and ensure lock requests are completed accurately. Reviewed new loan guidelines, programs, updates and changes. Assisted operations personnel in processing and closing loans. Experience with Calyx point software, Genesis, Loan Soft, Encompass and Desktop Underwriting software.

Managed loan pipeline from start to finish. Submitted, priced and locked all loans in the pipeline. Ran DU, electronic submissions and managed pricing engines with all lenders. Gathered, verified and compiled all necessary loan file documentation. Reviewed, analyzed and determined the acceptability of low-risk incoming documentation. Provided updates to real estate agents and all other interested parties. Requested the necessary supporting documentation to complete the loan process.

Responsible for sales of Office Com software, facsimile machinery and products. Cold and warm calling. Generated leads from client referrals. Presentation sales to prospective clients using a PowerPoint presentation developed through our company. Client support of installation of software, drivers, patches and facsimile products and/or troubleshooting problems via telephone or at customer locations. Worked with Microsoft access, excel, word, SQL, various type of software for facsimile products, and Networks. Troubleshooting with HP and Okidata printer drivers, Networks and Patches.

Responsible for sales/event sales for Raveworld.net using company sales presentation, warm calling lead advertisement, online sales techniques and various referral clients. Responsible for the online store database. Gateways, FTP and EDI files and uploads. E- Commerce duties such as: Maintained the Plur community profiles, Hub events and the Banner exchange pages on the website. Worked with Microsoft access, PC anywhere, Inex commerce court, payment gateways, FTP, EDI, SQL, Proxy and AS400.

Responsible for issuing credit and re-bills for major company accounts. Dealt with customer service inquiries and problems via telephone and/or e-mail. Billing and invoicing. Worked with basic Windows programs, AS400, Access and Excel

Responsible for maintaining damage control equipment and Systems; scheduling of maintenance in heating/cooling AC Units, aircraft electronics and service station. Record keeping for all documentation that was required for firefighting and NBC defense procedures. Knowledge in all aspects of portable CO2 and PKP bottles, firefighting equipment, piping and cables. Supervised six petty officers third class. Managed the database from the V-1 air dept. /Damage Control Division.