Alma Carranza-Gutierrez

Conduct comprehensive audits of FHA, VA, Fannie Mae, Freddie Mac, USDA, and Non-QM funded mortgage transactions to verify data integrity, ensure regulatory compliance, and identify potential misrepresentations or fraud. Document findings in detailed audit reports that support risk mitigation and enhance overall quality assurance efforts.

• Perform in-depth audits of selected mortgage loans to verify documentation accuracy and compliance with investor and agency guidelines
• Re-verification of key borrower information (employment, income, asset statements, occupancy certification) to identify deficiencies and potential fraud.
• Review all Final, signed legal and transactional documents that make the mortgage official.

Analyzed borrower's credit profile, capital, capacity, and ability to repay debt obligations. Provide an accurate decision based on full manual underwriting with the information provided and additional documents required to complete the underwriting process.

• Evaluated credit card applications and provided approval or denial as appropriate, completing a full manual underwriting and decision application within department SLA guidelines.
• Provided and ensured detailed documentation is included in the file to support credit determinations.
• Assisted my team as a second-level reviewer to the underwriter with no or not enough authority and overrides.

Supporting tax professionals such as CPAs, accountants, and tax preparers working on their client's tax returns with both product/software inquiries, as well as with tax questions and calculations.

• Applying defined practices, procedures, and company policies to troubleshoot and resolve product and tax support customer inquiries.
• Providing support through phone, email, and chat for any system or tax content problems. Handling, solving, or passing along issues and making sure to keep all customer and product info confidential. with best practices and regulatory updates, adapt to new situations.

Executed all complex personal and business income and financial analyses, involving tax returns and profit and loss statements. Utilized LOS (Bank of America Proprietorship Mortgage Software AUS - DU/LP) to perform mortgage operations. Documented and conveyed approval/denial rationale for loans efficiently.

• Conducted thorough manual underwriting for residential mortgage loans by assessing creditworthiness,income stability, and collateral value of applicants.
• Performed comprehensive evaluations of income, credit reports, potential assets, and other liabilities, including a detailed analysis of self-employed income.

Acquired and upheld knowledge and compliance with internal policies. Analyzed borrower's credit profile, collateral, capital, and capacity to repay proposed mortgage obligation. Ensured loan conformity to agency and government guidelines and evaluated approval feasibility.

• Utilized Encompass LOS (DU/LPA) to thoroughly evaluate mortgage loan applications and accompanying Conditions to provide approval or denial as appropriate.
• Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
• Continuously updated knowledge of industry trends and changing regulations to inform sound decisionmaking.

Analyzed borrowers' credit profile, collateral, capital, and capacity to gauge their ability to repay proposed mortgage obligations. Rendered final decisions on files and returned loan applications to loan officers with requests for additional documents required to complete the underwriting process. Stay abreast of internal policies to ensure compliance.

• Evaluated mortgage loan applications and accompanying conditions to determine approval or denial, ensuring all documentation supported accurate and compliant credit decisions.
• Conducted comprehensive income analysis encompassing various types such as fixed income, W2 income, and self-employed income, including personal and business tax returns.
• Carefully assessed Appraisals, Preliminary Title reports, HOI policy, HOA policy, and Flood documentation, while also conducting a thorough review of fraud reports.