BIO

My name is Shena M. Service, Owner & Operator of Akesi Mortgage Processing.

 I am a licensed Home-Based Independent Mortgage Underwriter/Processor.

With my vast years of experience as a Senior Mortgage Wholesale Underwriter of Conventional Loans, a Certified Master Loan Processor with NAMP, and FHA/VA trained and certified; we bring a strength not offered by many in processing today and in the future.

EXPERIENCE

• Processing Residential Conventional/FHA/VA loans for various brokers/lenders/title companies.

• Underwrite/Process Wholesale Mortgage Conventional Loans up to $3 million – independent lending authority up to $1.5 million (Credit Administrator review for loan amounts above lending authority)

• Conventional: Conforming/Nonconforming Loan Amounts, Manual Underwrite, Automated Underwriting – (Fannie Mae (DU)/Freddie Mac(LP)), Expanded Approval Products, My Community Mortgage Products, Jumbo Loans, Neighborhood Advantage Products, including Neighborhood Champions Product, Community Commitment, Community Accommodation, 100% LTV Products, 80/20 Combo Loan Products, 97% LTV Products, Non Traditional Credit, Stated Income Products, No Ratio Products, Fixed Rate Products, Interest-Only Products, ARM Products, including Many Option Arms, Rapid, Second Mortgages, Home Equity Lines of Credit, Equity Maximizer Products, Low-to-Moderate Income loans, etc.

• Credit Analyst: Give final loan approval based on income and credit.

• Paperless Project Coordinator/Project Teams for the Paperless Environment

• Provided support to Underwriting Management (assigning loans daily, review reports, worked closely with Account Executives and Mortgage Brokers, make management decisions)

EDUCATION & CERTIFICATION

• Former Bank of America Mortgage Wholesale Senior Underwriter - 7 years.
• Conducted HMDA Decline/Withdrawal, Fraud and USA Patriot Act training classes for Underwriters and Home Service Specialists. Conduct Training classes for US Patriot Act and Fraud.
• LPU Trained for FHA/VA Processing/Underwriting/FHA Secure/DE Underwriting
• NAMP Member (National Association of Mortgage Processors)
• CMLP licensed (Certified Master Loan Processor)
• Licensed for Business in the State of Virginia
• Brooklyn College Alumni, New York

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