Leroy Johns

Experience

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  Accountants on Call

  Mar 2000 - Jul 2001

  Bookkeeper

  Processed accounts payable and accounts receivablePrepared financial reports for housing agencyPrepared reimbursement reports for the city of Oakland Experience with QuickBooks Pro Experience with using PowerPoint, Excel, and Word

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  Provident Funding

  Aug 2001 - Oct 2002

  Underwriter

  Determined and analyzed borrowers credit worthinessExperience with using DU & LP Signing authority of $550,000Ability to U.W 5 to 7 loans/day Audited federal investor loans Experience with using PowerPoint, Excel, and Word

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  World Savings/Wachovia

  Nov 2002 - Oct 2008

  Underwriting Manager/Help Desk

  • Determined and analyzed borrowers credit worthiness. Lending signing authority of $750,000.• Promoted to Team Lead after first year of employment. Mentored and trained ten new underwriters. • Participated as a member of the Marketable Product Help Desk during the merger to Wachovia. Assisted legacy World Savings employees in becoming familiar with Wachovia loan products and procedures. Helped Wachovia employees become familiar with World Savings Portfolio products and procedures.• Audited policies and procedures and made recommendations to have inconsistent information corrected or removed from the policies and procedures portal.• Created departmental credit quality contests aimed at enhancing efficiencies while motivating employees to achieve quality goals for their respective jobs.• Partnered with sales managers to increase loan originations. Managed broker accounts and assisted in building positive relationships with clients. Prepared and gave presentations to sales staff. • Provided consultation to management teams regarding department efficiency.• Selected by senior management to serve as a member of the World Savings Underwriting Advisory Board.• Assisted in opening a new retail branch in Milpitas, CA at the request of senior management.• Experience with Portfolio Underwriting Show less

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  Quatrro Mortgage Solutions

  Dec 2009 - Apr 2010

  Auditor/Underwriter

  • Provided exemplary customer service to both internal staff and external customer by explaining credit decisions and offering alternative loan options when needed. • Provided consultation to management teams regarding department efficiency and helped develop solutions to decrease the error rate within the department in order to meet our client’s needs.• Assisted in the administration of new underwriting guidelines and policies that led to a more cohesive underwriting group.• Assisted HR Department with recruitment of new employees and assisted in their maturation process. Helped new underwriters become acclimated with underwriting policies and procedures.• Received quality review award for error free loan files and special recognition for assisting junior underwriters in learning the field of underwriting. Mentored and trained eight new underwriters Show less

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  Bank of America

  Nov 2010 - Jan 2012

  Senior Underwriter/Claims Auditor

  •Provided written appeals for loans that were determined to be uninsurable by the mortgage insurance company due to allegations that the loan did not meet contract requirements and was a breach of the respective mortgage contracts. •Reviewed individual mortgage origination/post-origination documentation and performed database research to obtain information needed to analyze the claim. •Assessed if the originated loan was consistent with applicable underwriting practices and loan program guidelines.• Determined whether or not an alleged breach was material or immaterial under the terms of the mortgage contract. •Analyzed loan documents to determine if there were inconsistencies that may be indicative of potential mortgage fraud.•Completed complex tax return analysis for self-employed borrowers. •Performed credit and property analysis on Fannie Mae Freddie Mac and Non-Conforming conventional loan files. Performed reviews of submitted loan conditions and loan resubmissions. Achieved lending signing authority of $1MM. Show less

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  Gateway Bank

  Feb 2012 - May 2012

  Senior Underwriter

  • Underwrote high risk residential loan packages up to $1MM. Performed compliance reviews to ensure borrower met agency guidelines so as to mitigate potentially bad asset loans.• Performed complex tax return analysis for self-employed borrowers that were sole proprietors, partnership or corporation owners. Experienced with the Encompass, Loan Prospector and Desktop Underwriting software.• Experienced with underwriting multi-family unit properties and Performed credit and property analysis on Fannie Mae and Freddie Mac conventional loan files that were submitted within the time frame established by departmental management Show less

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  JPMorgan Chase

  Nov 2012 - Nov 2013

  Senior Underwriter

  • Performed credit and property analysis on Fannie Mae Freddie Mac and Non-Conforming conventional loan files. Performed reviews of submitted loan conditions and loan resubmissions. Achieved lending signing authority of $1MM.• Conducted detailed analysis of borrower’s financial profile. Experienced with underwriting multi-unit properties and performing complex tax return analysis for self- employed borrowers. • Explained decisions reached in a manner that maintained a positive relationship with customers.• Worked closely with sales staff to provide alternative loan terms to meet borrower’s request. Assisted sales staff in solving technical issues associated with loan processing system. • Completed senior level credit and compliance courses such as Bank Secrecy Act, Anti-Money Laundering and RESPA.• Participated in Chase Leadership development program. Assisted with program recruitment of employees and brainstormed ways to get employees more engaged with Chase. Show less

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  Synchrony Financial/General Electric

  Oct 2014 - Apr 2015

  Senior Commercial Underwriter

  ● Perform financial analysis of large commercial deals and maintain all compliance requirements.● Review customers business financial statements, including personal and business tax returns.● Experience with all forms of tax returns such as 1120, 1120s, 1065, and 1040.● Responsible for credit decisions outside of system recommendation.● Personally work the queues and delegate among peers to ensure the entire business unit is meeting business objectives regarding deal cycle time.● Provide quick responses and drive full resolution of all customer and field issues.● Write complex customer evaluations and review evaluations with Senior Management.● Perform detail risk analysis of customers and assign the appropriate credit line amount to customers.● Completed corporate commercial training program for largest private label credit card issuer in the U.S. Show less

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  Finance of America

  Apr 2015 - Jan 2018

  Senior Mortgage Underwriter

  ● Performed credit and property analysis on Fannie Mae, and Freddie Mac loan files. Performed reviews of submitted loan conditions and loan resubmissions. ● Conducted detailed analysis of borrower’s financial profile. Experienced with underwriting multi-unit properties and performing complex tax return analysis for self- employed borrowers.● Experience evaluating all forms of self-employed borrowers: Corporate, S Corp, Partnership, as well as Sole Proprietors● Evaluated appraisals and insured appraisers commentary is consistent with his/her estimation of value● Identified red flags when reviewing loan submissions and completed the appropriate due diligence measures to avoid potential losses to the organization ● Manually calculated salaried borrowers income along with determining sufficient assets for closing and reserves● Explained decisions reached and negotiated loan approval terms in a manner that maintained a positive relationship with customers.● Worked closely with sales staff to provide alternative loan terms to meet borrower’s request Show less

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  US BANK/UNION BANK

  Mar 2020 - Feb 2022

  Senior Underwriter

  ● Performed credit and property analysis on Fannie Mae, and Freddie Mac loan files. Performed reviews of submitted loan conditions and loan resubmissions. ● Underwrote Non-Conforming/Jumbo loans in compliance with lenders Portfolio guidelines.● Conducted detailed analysis of borrower’s financial profile. Experienced with underwriting multi-unit properties and performing complex tax return analysis for self- employed borrowers.● Experience evaluating all forms of self-employed borrowers: Corporate, S Corp, Partnership, as well as Sole Proprietors● Evaluated appraisals and insured appraisers commentary is consistent with his/her estimation of value● Identified red flags when reviewing loan submissions and completed the appropriate due diligence measures to avoid potential losses to the organization ● Manually calculated salaried borrowers income along with determining sufficient assets for closing and reserves● Explained decisions reached in a manner that maintained a positive relationship with customers. Show less