BRIGHT AIGBE

Phone: 240-413-4553
Email: Blessedbright64@gmail.com
Professional Summary
Seasoned conventional underwriter with over 3 years proven experience and strengths in risk
assessment, income/credit analysis and documentation review. Successful in timely and accurate
completion of compliant loan packages facilitating volume growth. Comprehensive knowledge of
underwriting guidelines and restrictions for conventional loan programs for conforming and
nonconforming mortgages, Excellent communication skills, adaptive and a very good
collaborator.
Skills
 Risk Assessment
 Cash-flow Analysis
 Credit and Income Analysis
 Debt-to-Income Ratios (DTI)
 Loan-to-Value Ratios (LTV)
 Lending & Underwriting Guidelines
 Automated Underwriting Systems (DU/LP)
 Mortgage Software - Encompass/Empower
 Conventional Government Mortgages
 Documentation
 MS Excel/MS Word
 Data analysis and statistical representations
 Time management
 Ability to multi-task and work on multiple loan files
 Excellent verbal and written communication skills.
 Strong interpersonal and organizational skills.
Work Experience
Universe Mortgage – Dallas, Texas August 2019_present
Mortgage Underwriter
 Conduct a thorough and accurate analysis of loan applications and all related
documentation for completeness and conformity.
 Review and evaluate entire credit and collateral package to insure loan is of
investment quality
 Review and analyze borrowers’ income documentation to determine adequacy,
stability and continuance of income
 Successfully closed average of 50 loans monthly.
 Review and evaluate borrower’s credit history to support loan repayment
  Review all initial disclosures for completeness and accuracy.
 Keep up to date on investor guidelines and banking regulations.
 Keep informed of current underwriting policies and procedures.
 Analyze appraisal, income, asset and employment source documents.
 Underwrite Conventional loans meeting Fannie Mae and Freddie Mac guidelines
and investors overlays.

First National Bank – Pittsburgh, Pa

Mortgage Underwriter April 2018－July 2019

 Analyzes risk appropriately by assessing property information

 Analyzes risk appropriately by assessing property information
 Analyze employment profile, credit strength, property characteristics, and other information
pertinent to the credit decision process on each mortgage application as presented by the
broker.
 Apply internal guidelines and investor guidelines to the credit decision process
 Review credit report and compare to liabilities on 1003
 Efficient in loan workflow and dealing with high production pipelines

Dangote Group of Companies June 2014 _ March 2016

Business Analyst

• Develop and monitor data quality, metrics and ensure business data and reporting
needs are met.

• Creating a detailed business analysis, outlining problems, opportunities and

solutions for the growth of a business.

• Providing financial insights that help the decision-making process

• Analyze the implementation and support of business information systems across

multiple departments for positive result.

• Identify problems and opportunities within the company and ultimately provide
solutions that help achieve business goals.

• Perform research & analysis into the project's domain of work, determine options
make recommendation while leading customers through the range of choices and
decisions.
Education
BS. Business Administration                                              
MA. Business Administration 2021-2022