Corneda Harmon

Experience

• 

  CARRINGTON MORTGAGE

  Oct 2010 - Mar 2014

  Mortgage Underwriter II

  Responsibilities include· Complete credit income analysis of loan, ensure proper audits are completed and verify consistency of loan file information.· Review and evaluate credit information on mortgage loan documents to determine acceptability for specific loan programs.· Review loan submissions to detect any form of fraud or inconsistency with loan application.· Validate 4506 results and verify 4506 income matches loan documentation and w2/tax returns.· Communicate with Account Executive, Operations Manager and Production Manager as required to resolve outstanding issues.· Apply and interpret company underwriting guidelines to make sound credit decisions. Show less

• 

  GREENLIGHT MORTGAGE LLC

  Apr 2014 - Oct 2014

  Mortgage Underwriter II

  Responsibilities include· Perform credit & property analysis on Conventional & FHA loan files in a timely review· Review applications for completeness· Analyze and review documentation in files to verify accuracy of application and to support underwriting decision, verify eligible debt to income and loan to value requirements· Review and analyze appraisals, preliminary title work, purchase contracts, income documentation and tax returns (Individual and Business)· Assist as needed with post-closing review and clearance for a salable loan· Analyze challenging loan packages to render sound credit decisions such as Manual Underwrites Show less

• 

  BANCONE MORTGAGE

  Oct 2014 - Mar 2016

  Senior Mortgage Underwriter

  Responsibilities include· Review Conventional (FNMA & FHMLC) and FHA loan submissions in accordance with underwriting guidelines to ensure investor salability and agency and regulatory compliance· Effectively communicate loan decisions to maintain positive working relationships with co-workers .· Review and clear conditions on loans files· Maintain company quality and daily production expectations· Work effectively with Processing, funding, and Sales Managers to achieve company goals and objectives· Maintain current and fluid knowledge of Investor and Agency guidelines· Calculate income from salary, self- employed and corporate W2s, as well as financial statements· Thorough review of Title Preliminary Reports and Appraisals Show less

• 

  ENDEAVOR AMERICA, an affiliate of The MoneySource

  Mar 2016 - May 2022

  Mortgage Underwriter II

  Responsibilities include• Performing a thorough analysis of each loan ensuring quality• Determining compliance with company guidelines• Sound credit decisions making• Completing credit and income analysis of each loan• Ensuring proper audits are completed• Verifying consistency of loan file information• Review (FNMA & FHMLC) and FHA loan submissions in accordance with underwriting guidelines to ensure investor salability and agency and regulatory compliance• Effectively communicate loan decisions to maintain positive working relationships with co-workers.• Review and clear conditions on loan files• Maintain company quality and daily production expectations• Work effectively with Processing, Funding, and Sales Managers to achieve company goals and objectives Show less

• 

  Quontic

  Feb 2022 - now

  Senior Underwriter