About 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.
Experience
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
Education
Associates in Business Management
University of Phoenix, July 2009
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