VICTOR  M.  ALVAREZ

6030 S VISTA DR

GULFPORT, MS 39507

(972)741-6916

Miguel3968@yahoo.com

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   Objective:  Seeking a position with a Mortgage Company which will utilize my

 Experience and will reward achievement of company objectives with opportunities for advancement.

PROFESSIONAL EXPERIENCE

WOLFE FINANCIAL  DBA – INTEGRITY MORTGAGE GROUP  10/16 – 1/23

1. UNDERWRITER – FHA/VA/USDA AND CONVENTIONAL

UNDERWRITE FHA/VA/USDA AND CONVENTIONAL FILES TO INVESTOR GUIDELINES

AND OVERLAYS. ALSO ASSIST LOs WITH ANY SCENARIO TYPE QUESTIONS.  

Nations Lending Corporation             6/2016  -  10/2016

UNDERWRITING MANAGER / OPERATIONS MANAGER

MANAGE 3 SR. UNDERWRITERS AND 6 LOAN PROCESSORS.  ASSIST MORTGAGE STAFF

WITH UNDERWRITING SCENARIO QUESTIONS AND AUDIT REVIEWS.  WORK WITH SALES MANAGERS AND LOAN OFFICERS ON ACCEPTABLILTY ON LOANS REGARDING CREDIT, INCOME, AND PROPERTY.   ALSO UNDERWRITE,  FHA, VA, USDA, AND CONVENTIONAL LOANS.  ALSO UNDERWROTE FHA/VA AND CONVENTIONAL FILES FULL TIME

WOLFE FINANCIAL – DBA  - INTEGRITY MORTGAGE GROUP   11/2014  -  5/2016

UNDERWRITING MANAGER

MANAGE 6+ UNDERWRITERS.  HELP TO INSURE LOAN QUALITY BY ANSWERING UNDERWRITER QUESTIONS AND DOING 2ND REVIEWS ON MORE RISKY TRANSACTIONS.  ALSO ANSWER QUESTIONS FROM LOAN OFFICERS AND HELP DIRECT THEM TO THE MOST APPROPRIATE LOAN PROGRAMS.  ALSO UNDERWRITE FHA, USDA, VA, AND CONVENTIONAL FILES TO INVESTOR AND AGENCY CORRESPONDENT GUIDELINES AND OVERLAYS.  ALSO UNDERWROTE FHA/VA/USDA AND CONVENTIONAL FILES FULL TIME.

FIRST NATIONAL BANK OF TRENTON                                  5/2011 -  11/2014

UNDERWRITING MANAGER

MANAGED UNDERWRITING DEPARTMENT TO ENSURE LOAN QUALITY AND 

EMPLOYEE EDUCATION.  ALSO MANAGED / MAINTAINED OPERATIONS WORKFLOW

FOR UNDERWRITING, POST CLOSING, CLOSING, AND FUNDING.  ALSO ASSISTED IN

UNDERWRITING FILES,  FHA, VA, USDA, FANNIE MAE / FREDDIE MAC TO INVESTOR

GUIDELINES.  ALSO UNDERWROTE FHA/VA/USDA, AND CONVENTIONAL FILES FULL TIME.

VIEWPOINT MORTGAGE -                                                         7/2010  -  4/2011

SENIOR UNDERWRITER – FHA/VA/USDA AND CONVENTIONAL

UNDEWROTE FHA/VA/USDA/CONVENTIONAL AND ONE-TIME CLOSE LOANS.  ALSO

CLEAR CONDITIONS AND ASSIST LOAN OFFICERS AND LOAN PROCESSORS WITH

UNDERWRITING GUIDELINE QUESTIONS.  ALSO ASSIST POST CLOSING WITH FHA/VA

AND INVESTOR LOAN STIPS.

PRIMARY RESIDENTIAL MORTGAGE, INC – 2/2008  -  7/2010

DE/LAPP SENIOR UNDERWRITER AND CONVENTIONAL UNDERWRITER

UNDERWROTE FHA, VA, USDA, AND CONVENTIONAL FILES IN A PAPERLESS ENVIRONMENT. ALSO CLEARED CONDITIONS AND ASSISTED LOAN OFFICER WITH GUIDELINE QUESTIONS.

MAVERICK RESIDENTIAL MORTGAGE –                                  12/2003  -  1/2008

DE/LAPP SENIOR UNDERWRITER AND CONVENTIONAL UNDERWRITER

SENIOR UNDERWRITER FOR RETAIL MORTGAGE COMPANY.  HELPED ESTABLISH COMPANY GOVERNMENT UNDERWRITING GUIDELINES FOR RECENTLY ESTABLISHED GOVERNMENT UNDERWRITING DEPARTMENT.  HELPED COMPLETE FHA TEST CASES FOR FINAL UNSUPERVISED COMPANY DE UNDERWRITING APPROVAL, COMPLETED IN LESS THAN THREE MONTHS.  ALSO UNDERWRITE CONVENTIONAL FILES WITH MAIN BULK OF FILES UNDERWRITTEN BEING GOVERNMENT

BSM FINANCIAL - dba BankSource Mortgage                 2/2002 -  12/2003 

DE/LAPP SENIOR UNDERWRITER AND CONVENTIONAL UNDERWRITER

GOVERNMENT UNDERWRITER FOR RETAIL MORTGAGE COMPANY.  UNDERWROTE 6 TO 7 NEW LOANS PER DAY AND CLEARED CONDITIONS.  HELPED LOAN OFFICERS WITH FHA/VA UNDERWRITING GUIDELINE QUESTIONS.  MAINLY UNDEWROTE GOVERNMENT LOANS, BUT ALSO DID UNDERWRITE 10 TO 25% CONVENTIONAL LOANS

FIRST UNION MORTGAGE CORPORATION                                                12/2001 -  2/2002

DE/LAPP SENIOR UNDERWRITER

UNDERWROTE 100 % GOVERNMENT LOANS. UNDERWROTE 5 TO 7 NEW LOANS A DAY AND CLEARED CONDITIONS. ANSWERED QUESTIONS FROM BROKERS AND HELPED BROKERS UNDERSTAND APPROVALS AND DENIALS.

NORTH AMERICAN MORTGAGE COMPANY                                              3/2001 -  12/2001

DE/LAPP SENIOR UNDERWRITER                                      

UNDERWROTE MAINLY GOVERMENT LOANS,  ALSO UNDERWROTE 

CONVENTIONAL AND NON-CONFORMING LOANS.  NORTH AMERICAN HAS EVERY LOAN PRODUCT AVAILABLE IN THE MORTGAGE BUSINESS.

CREST MORTGAGE COMPANY 7/2000 -  3/2001

1. DE UNDERWRITER/ SENIOR LOAN PROCESSOR

UNDERWROTE AND PROCESSED FHA, VA,  AND CONVENTIONAL LOANS.  95% OF FILES UNDERWRITTEN WERE  MAINLY FHA. ALSO ORDERED CLOSING DOCS.   

GMAC MORTGAGE - Subsidiary, Residential Alliance, LLC                          9/1997 -  7/2000

MORTGAGE UNDERWRITER/CLOSER/PROCESSOR

UNDERWROTE, PROCESSED, AND CLOSED ALL FILES IN MY PIPELINE.   PIPELINE USUALLY CONSISTED OF 30 TO 40 LOANS AND UP TO A MAXIMUM OF 65 LOANS.   ALSO HAVE COMPLETED MBA COURSE ON MORTGAGE LOAN UNDERWRITING.

MORTGAGE CUSTOMER LOAN  SPECIALIST/CLOSER

PROMOTED TO LOAN SPECIALIST AFTER SIX MONTHS. POSITION BASICALLY ENTAILED PROCESSING LOANS FROM START TO FINISH. ORDERING APPRAISALS, TITLE COMMITMENTS, SURVEYS, UNDERWRITING FILE AND CLOSING THE LOAN. 

MORTGAGE LOAN PROCESSOR

PROCESSED FHA, VA, AND CONVENTIONAL MORTGAGE LOANS.  RECEIVED MORTGAGE LOANS FROM LOAN OFFICERS AND PROCESSED LOAN FOR FINAL APPROVAL.    

MADE SURE THAT ALL LEGAL DOCUMENTS WERE CORRECT AND THE LOAN WAS IN COMPLIANCE.

OHA FINANCIAL - dba One Hour Acceptance                                                  6/1996 -  9/1997

LOAN PROCESSOR/FUNDER

DID AUDITING AND CREDIT INVESTIGATIONS ON AUTOMOBILE LOAN PACKETS.  REVIEWED AUTOMOBILE CONTRACTS FOR LEGAL ERRORS.  ALSO REVIEWED COMPLETE LOAN TO MAKE SURE IT MET THE COMPANY GUIDELINES FOR FUNDING.

FIRST LENDERS INDEMNITY COMPANY                                                    4/1996 -  6/1996

UNDERWRITING CREDIT ANALYST

DID FINAL AUDITING ON AUTOMOBILE LOANS.  REVIEWED ALL LEGAL DOCUMENTS AND MADE SURE THAT EACH ONE WAS PROPERLY FILLED OUT.  DID LOAN ANALYSIS AND VERIFIED LOAN WAS BUYABLE.

FEDERAL EMERGENCY MANAGEMENT AGENCY                                   10/1995 -  4/1996

PARADOX REPORTS SUPERVISOR

DEVELOPED AND CREATED PARADOX REPORTS FOR ALL THE DISASTER REGIONS IN THE UNITED STATES.  CHECKED REPORTS FOR ACCURACY AND PRECISION.  ALSO TRAINED EMPLOYEES ON HOW TO RUN REPORTS.

FEDERAL DEBT MANAGEMENT- dba Dealer Finance Group                      5/1995 -  10/1995

CREDIT ANALYST/LOAN OFFICER

ASSISTED ACQUISITIONS DEPARTMENT IN PURCHASING LOANS FROM CAR DEALERSHIPS.  PULLED CREDIT BUREAUS AND REVIEWED APPLICATIONS TO SEE IF DEBT RATIO WAS IN LINE.  IF THE LOAN WAS BUYABLE, TURNED IN FOR FUNDING.

TRANSAMERICA FINANCIAL SERVICES                                                    2/1994 -  3/1995

ASSISTANT MANAGER/LOAN OFFICER

TOOK LOAN APPLICATIONS AND PULLED CREDIT REPORTS.  PROCESSED LOANS FOR FINAL APPROVAL AND MADE COLLECTION CALLS.  CLOSED LOANS AND HAD CHECK SIGNING AUTHORITY.

FEDERAL EMERGENCY MANAGEMENT AGENCY                                   6/19 90  -  2/1996

 LEAD COMPUTER OPERATOR

TELEPHONE OPERATOR SUPERVISOR

                      EDUCATION

UNIVERSITY OF NORTH TEXAS - DENTON, TX                                    5/ 1992

B.B.A. ECONOMICS

ADDITIONAL DATA:

COMPUTER EXPERIENCE: LOTUS 1-2-3          WORD PERFECT 5.1         EXCEL

                                                  PARADOX             MS WORD                          DOS

                                                 APPRO 4.2              PILOT                                  WINDOWS

                                                 CALYX/POINT     UNIFORM       MLCS

DATATRAC         WINDOWS XP                     ENCOMPASS 360

BILINGUAL: ENGLISH/SPANISH

CHUMS NUMBER OBTAINED IN 7/2000

VA SAR NUMBER OBTAINED IN 10/2001