User Profile Page

Latrese Flowers

Notary Profile Information

Full Name

Latrese S Flowers

About Me

I have 3 sons and have been living in AZ for about 7 years. Aside from doing signings, I also work as a Mortgage Underwriter and Web Development on the side. I am available just about any time of the day, weekends included, as I work remotely.

Telephone Number

8329869014

Available Hours

Anytime

City and State

Marana

Your Zip code

85653

E-mail Address

latreseflowers@hotmail.com

Commission Number

638892

Commission Expiration

10/30/2026

Resume

Latrese Flowers
12284 N Amberwood Pl
Marana, AZ 85653
Phone: (832)986-9014 Email: latreseflowers@hotmail.com
Seeking a challenging career with an organization looking for an ambitious and career conscious individual to contribute towards the growth of the organization.
Business Experience:
Equity Prime Mortgage – Remote 2020-present
Underwriting
 Perform Frontline Underwriting of Retail loans
o Underwrite FHA & Conventional, Purchase and Refinances
o Property types include: New Construction, 1-4 Family, Investment, Manufactured Homes, Condo, Single Family
o Review and sign off Appraisal
 Analyze credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
 Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
 Manual Frontline Underwriting Conventional loan products.
 Determine and document loan conditions and communicate requirements and/or decisions
CBC Mortgage Agency-Remote 2018-present
Underwriting Manager
 Perform Frontline Underwriting of Retail loans
o Underwrite FHA & Conventional, Purchase and Refinances, both Fixed and ARM
o Property types include: New Construction, 1-4 Family, Investment, Manufactured Homes, Condo, Single Family
o Review and sign off Appraisal
 Perform Processing, Underwriting, Closing, Funding and Insuring of all HUD test case files to obtain Full Eagle status for the Organization
 Manage and support Due Diligence team, reviewing loans submitted for purchase by correspondent lending partners
o Reviews include full credit re-underwrite, collateral reviews and compliance testing
 Perform shadow underwrite on files submitted by correspondents for pre-closing approvals
 Resolve all credit underwriting related post close QC deficiencies
 Attend all MBA continuous training events to stay up to date on all FHA, FNMA & FHLMC changes
 Assist in maintaining program guidelines for DPA and Investor requirements
 Assist in maintaining training materials for approved Correspondents
 Search and create training programs for Due Diligence Underwriters
 Create and maintain monthly reports to monitor volume and production
 Maintain schedule and payroll processing for team
 Create and maintain agenda for weekly team meeting
 Train new team members and cross train within departments to share knowledge.
 Review Escalations to determine acceptance is in line with guidance and will be acceptable to investors
 Monitor QC vendor audits by completing random pre-fund and pre-purchase audits
 Ensure QA & QC standards are compliant with FHA and other GSE program eligibility standards and regulatory compliance requirements
 Create trend report of most common deficiencies
American Mortgage Consultants-Remote 2016-2020
Underwriting Analyst
 Make appropriate decisions regarding deficiencies identified during the review of the mortgage loan files to ensure compliance with company, industry and federal guidelines
 Analyze credit documents, including, but not limited to, mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents.
 Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
 Manual Frontline Underwriting Conventional/Conforming loan products.
 Determine and document loan conditions and communicate requirements and/or decisions
 Identify portfolio risks resulting from the client’s underlying business practices, underwriting, and/or fraud exposure.
 Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policy and/or guidelines
Certification
Full Stack Web Development
University of Arizona – Trilogy Education
Skills:
• HTML
• Javascript
• CSS
• jQuery
• MongoDB
• MySQL
• Express
• Node.js
• PHP
• Python
• Java
• Microsoft Applications
Proficient in multiple Mortgage Origination systems, including but not limited to Encompass, Agile, Calyx, IDS, DocMagic and many in house software
Github: https://github.com/Latrese