Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic

Janeese Aguirre

Irvine

Summary

Experienced professional with over 30 years of experience in the mortgage industry, Knowledge of FHA, VA, Conventional, Jumbo, and NonQM. Skilled management leadership, works well in a fast paced environment, multi tasking, and being a team player.

Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Operations and Underwriter

1st Nationwide Mortgage
07.2005 - Current
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Strengthened compliance with industry standards, conducting regular audits of underwriting procedures.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Led hiring, onboarding and training of new hires to fulfill business requirements.

Contract Mortgage Processor

NA Nationwide Mortgage
03.2001 - 07.2005
  • Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
  • Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
  • Reduced loan application processing time by diligently reviewing and verifying applicant information.
  • Set up and completed loan submission packages for FNMA, FHLMC. Jumbo, Subprime, FHA, and VA transactions
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Prepared file for final clear-to-close and pass through the QC review

Sr Underwriter (FNMA Subprime)

United Lending Group
08.1999 - 02.2001
  • Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
  • Reviewed loan submissions to make accurate decisions by borrowers qualifications, accounting for risk, hazards, and exposure.
  • Sole conventional underwriter for most successful sales team in Irvine region.
  • Underwrote Jumbo, FNMA/FHLMC, Subprime, and 2nd TD's in a wholesale lending environment

Education

High School - General Studies

La Mirada High School
01.1987

Skills

  • Underwriting Wholesale/Retail
  • Loan Processing
  • Analyzing Appraisal Reports
  • Credit and Income Analysis
  • Sales Inbound and Outbound
  • Management of Warehouse Lines
  • Structuring Loans
  • Knowledge FNMA
  • Knowledge FHLMC
  • Knowledge VA
  • Knowledge FHA
  • Knowledge Jumbo
  • Knowledge Non QM
  • Condo Guidelines & Approvals
  • Obtaining LP and DU Approvals
  • Management of Staff
  • Operating on Calyx System
  • Reviewing Loans for Compliance
  • Real Estate Sales and Listings
  • Audit procedures
  • Team leadership
  • Client communication
  • Loan origination
  • Quality assurance
  • Application review
  • Problem solving
  • Efficient with use of MLS

Certification

  • Licensed California DRE Broker
  • Licensed Mortgage Loan Officer state of Washington
  • Licensed California Notary Public

Languages

English
Full Professional

Timeline

Operations and Underwriter

1st Nationwide Mortgage
07.2005 - Current

Contract Mortgage Processor

NA Nationwide Mortgage
03.2001 - 07.2005

Sr Underwriter (FNMA Subprime)

United Lending Group
08.1999 - 02.2001

High School - General Studies

La Mirada High School

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Janeese Aguirre