Demario O. J
Sr Jumbo Non-qm De Underwriter Conventional Underwriter @Bayview Asset Management, LLC
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WORK HISTORY
Sr Jumbo Non-qm De Underwriter Conventional Underwriter @Bayview Asset Management, LLC
Buffalo, NY, US
Underwrote conventional, MI, FHA, non-QM and Jumbo residential mortgage loans per product and investor guidelines through AUS and manual review.• Analyze mortgage loan applications and supporting documents to determine borrower eligibility and creditworthiness.• Evaluate borrower credit history, debt to income ratio, employment history, and other factors to make informed lending decisions.• Ensure compliance with underwriting guidelines, investor requirements, and regulatory requirements.• Perform risk assessment of credit and collateral ensuring loan salability and sound credit quality.• Communicate with loan officers, processors, and other stakeholders to resolve issues and ensure timely loan closings.• Takes initiative to keep current on changes in Investor and Lender guidelines.• Collaborate with other underwriters to share trends, underwriting guidelines, and regulatory requirements.• Mentor and train newly hired underwriters.
EDUCATION
Excelsior University
no degree, Liberal Arts
Seneca Vocational High School
NY State Regents, CAD/CAM ROBOTICS
University at Buffalo
No Degree
ABOUT DEMARIO O. J
Detailed Senior Mortgage Underwriter offering 20-year background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service.
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