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Sowe - Mortgage Broker - Charlotte, NC, USA

Mohamed Sowe

Charlotte, NC, USA

Services

Mortgage Broker

Summary:

Mortgage Underwriter

Work History

Quality Assurance Analyst / STAR Program

Wells Fargo Home Mortgage

From November 2013

• Conducted thorough review of loans, running evaluation tools and understanding program guidelines.
• Audited documents including detailed review of the information in the system and on loan documents before they are shipped to the borrower. Researched and analyzed problems and recommended solution.
• Maintain very high productivity level with less error rate - under3%.

Consumer Mortgage Underwriter/Level

Wells Fargo Home Mortgage

October 2012 - October 2013

• Evaluated the subject property and financial & credit worthiness of borrowers.
• Accurately performed debt-to-income and loan-to-value ratio calculations.
• Rendered sound credit decision that minimize risk exposure to the organization while contribute towards the financial growth and revenue goal of the organization.
• Recommended decision and obtained concurrence for loans outside my authority level.
• Modified decisions where applicable.
• Analyzed collaterals, examined income and assets documents, title commitments, performed calculations and justification for decision loans.
• Served as advisor and answered general underwriting question with loan originators.
• Mentored new employees and other team members as needed.

Mortgage Underwriter

Accenture Credit Services

September 2009 - October 2012

• Evaluated the subject property and financial & credit worthiness of borrowers.
• Accurately performed debt-to-income and loan-to-value ratio calculations.
• Rendered sound credit decision that minimize risk exposure to the organization while contribute towards the financial growth and revenue goal of the organization.
• Recommended decision and obtained concurrence for loans outside my authority level.
• Modified decisions where applicable.
• Analyzed collaterals, examined income and assets documents, title commitments, performed calculations and justification for decision loans.
• Mentored new employees and other team members as needed.

Senior Mortgage Underwriter

Wachovia Corporation

July 2002 - August 2008

Performed same responsibilities as with Wells Fargo and Accenture Credit Services.

Mortgage Underwriter

Citigroup Corporation

June 2001 - August 2002

Performed same responsibilities as with Wells Fargo, Accenture and Citigroup.

Loan Monitoring Specialist/Business Lending

Bank of America

August 1999 - May 2001

• Responsible for analyzing, tracking and measuring all business loans (real estate, equipment, retail, manufacturing etc) with regards to relationship size -term loan >$500K, LOC > $250K up to $3 million.
• Spread and analyzed company financial statements to ascertain ability to repay debts.
• Examined personal financial statements and tax returns of loan grantors to establish net worth, cash flow and ability to service debts.
• Calculated and monitoring financial covenants and reporting requirements established in loan agreement between the bank and the borrowing entity to assure compliance.
• Identified deteriorating trends and risk rating accuracy.

Qualifications & Certifications

Accounting

Harris-Stowe State College

St Louis

Webster University-Graduate School of Business & Technology

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