Joyce Muha

WORK HISTORY

ABOUT JOYCE MUHA

Advanced Income Analysis including experience reviewing self employed, corporate and partnership income/tax returns. • Advanced Asset Analysis with all types of assets.• Advance knowledge reviewing credit reports and analyzing credit history including all alerts and possible fraud detection.• Experience with underwriting both refinances and purchases to include Conventional, HARP, Non-Conforming, Portfolio, Home Equity lines, Reverse and New Construction.• Experience running and reading underwriting engines including DU, LP and proprietary engines.• Experience analyzing all types of Appraisal and property valuation products.• Thorough understanding of underwriting policies and procedures including Financial Reform (Qualified Mortgage and Ability to Repay).• Proven ability to decision complex loan files with multiple layers of risk.• Superior interpersonal communication skills to build and maintain professional relationships with clients, customers and co-workers. • Strong time management and organizational skills with the ability to prioritize multiple objectives and achieve volume goals.