Aquila Mends-Cole am1188298@westpost.

net OBJECTIVE: To secure a position that will best utilize my experience and skills within the mortgage financing industry. QUALIFICATIONS I have a comprehensive knowledge of the mortgage financing industry, retail and wholesale for over 9 years. Familiar with high-pressure work environments that require structure and time constraints, my strengths include but are not limited to the following: leadership, problem solving, project development, and person nel training. A self-starter, I have consistently met and exceeded deadlines an d quotas set forth for me. I have the ability to master new software and materi als efficiently. A goal oriented individual, I am comfortable working independe ntly or as part of a team. Software/Skill Summary Report Preparation Problem Solving Written Correspondence Team Building General Office Skills Office Operations Microsoft Office Suite Lotus Notes PROFESSIONAL EXPERIENCE Delegated Underwriter (Most Recent Assignment - - 04/2010 - 12/2010) *On-site contract Sr. Quality Control Underwriter for Freddie Mac with Contract Exception (CE) Authority with $1M signing authority, 1-4 unit properties *Underwriting loans in compliance with Master Policies and all applicable endors ements, agreements, and guidelines that are set forth by Freddie Mac regarding t heir Affiliates *Full credit and property manual underwrite following Freddie Mac / Fannie Mae / Affiliates Guidelines *Continuous knowledge of the most current Freddie Mac / Fannie Mae manuals and l ender updates; including, requirements of private investors correspondent manual s furnished by Freddie Mac Affiliates *Making decisions on a highly secure network platform and working with highly co nfidential documents using a dual monitor system *Independently approving and determining loans that are eligible for purchase an d comply with all requirements by Freddie Mac and/or their Affiliates *Used an automated scoring system and traditional underwriting to determine acce ptability of moderate requests. *Review credit, credit bureau information, collateral valuation, tax returns, co mplex financial statements, and or other supporting documentation to recommend/a pprove requests within decision authority level *Follow-up with external vendors to ensure prompt turnaround time of request doc umentation (income & asset re-verified docs, private investigators, BPO, review appraisals) required to complete loan review *Maintain detail notes of the including vendor re-verifications, red flags and i nternal correspondence *Identify loan components that indicate a potential for fraud and/or misrepresen tation and determine if an independent private investigator is required *Re-verify original loan documentation with external vendors to confirm accuracy DU & LP CLOUT / CLUES QUANTUM LEPURRD AUS Systems ACCURINT AUTOTRAC Lexis Nexis DIGITAL RISK BLITZDOCS STRAT Q MOAI, E-MITS FRAUD GUARD ADFITECH True Logic All REGS

of documentation. *Review current and delinquent loans for quality assurance, fraud, misrepresenta tion & risk analysis *Confirm fraud and misrepresentation with third party documentation, prepare det ailed report with evidence of fraud and/or misrepresentation and submit package to management for review *The authority to issue repurchase for any breach of any representation or warra nty contained in the Addendum and/or Agreement of the Master Policies of Freddie Mac and their Affili ates Sr. Contract Underwriter (02/05 - Present) *Reverse Mortgage Underwriter, ensuring each loan met FHA/Investor required comp liance, quality control and Lender guidelines *Fraud/Forensic Underwriter, Sr. Risk Analyst performing comprehensive analysis of investor findings and internal audit reports *Underwrite all loans that need traditional underwriting (due to not meeting aut omated standards) *Decision secondary market underwriting regarding Alt-A, Jumbo, and Non-Conformi ng loan products *Perform comprehensive analysis of Title Commitment including knowledge of Trust s, POA, and Guarantees *Perform comprehensive collateral analysis with knowledge of valuation methods: calculating Net, Line item and Gross comparable adjustments, Hazard Insurance an Title Policy coverage, and evaluate comparables and property variables *Stay inform of regulatory and legislative developments related to federal guide lines, FMNA/FLMAC *Analyze investor findings and internal audit reports with requests for repurcha sing loans from various investors, and provide alternatives to make loans saleab le (assess risk versus missing/inaccurate documentation). *Audit client contract and staff underwritersa loans to ensure files comply with investor guidelines *Meet established turn-around times for reviewing loan files *Meet production and quality requirements on a consistent basis Compliance and Due Diligence Contract Underwriter (02/05 a" 06/07) *Analyze loan file to determine credit grade and program preference *Verify required credit documentation is present in loan file and complies to th e loan program *Approve or decline loan package based on clientas and secondary investors under writing guidelines *Grade various loan pools base on secondary investor guidelines and document acc urate S & P codes *Verify all required legal documentation and signatures are endorsed correctly *Complete compliance review analysis for high cost, APR, Reg. Z & State Predato ry lending *Perform HMDA review and securitization analysis of clients portfolio Underwriter (05/02 - 01/05) *Underwrite for several wholesale, retail, conforming & non-conforming lenders *Provide guidance and instructions to associate underwriters when necessary *Calculate and analyze pay stubs, W-2as, bank statements, and personal and busin ess tax returns to properly determine income and liquid assets used to qualify t he borrowers *Apply compensating factors to approve loans with challenging credit scores *Review appraisals on condos/ co-ops, mixed use, single and multifamily homes *Interact with client's underwriting staff to provide alternative approval optio

ns *Met and cleared all underwriting and closing conditions prior to funding loans *Approve, decline, or counter offers loan submissions based on clientas underwri ting guideline Jr. Underwriter (03/01 a" 05/02) *Verified all documents (VOE, VOM, VOD) *Processed loans using D.U., L.P. and Calyx Points software *Processed full doc, stated programs for purchase and refinance loans *Ordered termite letter, flood certification, property title, and hazard insuran ce *Submitted completed loan packages to the underwriting department *Audited files and managed pipelines for 10 representatives EMPLOYMENT HISTORY The Clayton Group a" Sr. Contract Underwriter (05/09 a" Present) R.R. Donnelley (Office Tiger) - Sr. Contract Underwriter (05/07 a" 04/09) Mortgage Data Management Corp. a" Compliance and Due Diligence Underwriter (07/0 5 a" 05/07) Price Waterhouse Cooper/ Waterson Prime a" Compliance and Due Diligence Underwri ter (2/05 a" 05/06) INTEGRUS Mortgage (ZNET Financial) a" Underwriter (05/02 a" 01/05) Option One / Bank of America a" Jr. Underwriter (03/01 a" 05/02) EDUCATION Freddie Mac Atlanta, Georgia Delegated Mortgage Underwriter Certification Capstone Mortgage Institute, Atlanta, Georgia, Certified Mortgage Loan Underwrit er University of Kansas, Lawrence, Kansas, Studied Liberal Arts & Science References - Excellent personal and professional references available upon reque st