1. Novia LaBranche
638 Vicksburg St., Deltona, FL 32725
321.578.0563
novialabranche@yahoo.com
Skills  Knowledge of agency guidelines: FNMA, FHLMC, FHA
 Capacity to address credit related issues and points of risk to ensure that underwriting
meets quality assurance standards
 Analytical and judgment skills to make credit recommendations
 Interpersonal, oral and written communication skills
 Understanding of credit and complex financial documents
 Ability to access credit worthiness while adhering to regulatory/compliance requirements
 Ability to meet production, quality and service standards
Education Montreat College
Charlotte, NC – 5/1999: Bachelor’s – Business Administration
Experience Mortgage Loan Underwriter 3
Wells Fargo – Orlando, FL 7/2011 – Present
 Review, analyze, unusual or complex loan files within company and agency guidelines
including manual underwriting and exceptions not determined through DU/LP.
 Evaluate/examine transactions to ensure accuracy and completeness within guidelines to
identify/ calculate loan risk of loss to determine ability to repay.
 Individual analysis of the loan application to include: credit worthiness, income
calculations, establish acceptable benefit to the borrower, assess asset statements to
determine and meet liquidity requirements, determine collateral acceptability, along with
interpreting and determining acceptability of other supporting documents (HOI, MI, Title,
Compliance, etc).
 Explain rationale behind credit decision (approve/counter/deny). Assist with re-
negotiations of loans based on lending guidelines. Condition files for missing/supporting
documentation. Revisit loans to review and clear conditions.
 Implement fraud detection techniques and perform compliance reviews. Respond within
SLA to all loan specific audits/findings.
Underwriting Analyst
Digital Risk – Orlando FL 10/2009 – 5/2011
 Audited a sampling of loans for Quality and Compliance with investor specific and agency
guidelines. Ensured timelines as prescribed by Client are met in accordance with internal
policy (SLA).
 Provided management with timely, meaningful information regarding quality and
compliance based on audit findings. Provided analysis for trends and risks identified
during the audit. Effectively and efficiently documented all findings, updates and changes
electronically.
 Responded to Client rebuttals related to QC servicing reviews. Managed time, prioritized
responsibilities and handled multiple tasks in order to meet required completion and
reporting deadlines.
Remote Loan Processor/Underwriter
Fairway Independent Mortgage – Maitland, FL 4/2007 – 8/2009
 Processed mortgage loans and provided underwriting support for files within approval
authority of $417,000/LTV of 80%. All other loans were submitted to an underwriter with
sufficient approval authority.
 Reviewed loan file for accuracy and completeness. Ordered, collected, verified and analyzed
all documentation required for submitting files to Underwriting for final loan approval.
 Obtained and cleared approval and closing conditions when applicable. Followed-up with
all third party vendors (appraisals, credit and title) to ensure delivery of reports.
 Adhered to State/Federal Regulations relating to RESPA, Reg Z, HMDA and Reg B.