Resume

1. Andrew Othman
5727 Autumn Chase Circle
Sanford, FL 32773
Phone: 417.415.9828
Email: Andrewothman@yahoo.com
https://www.linkedin.com/in/andrew-othman-00287a110
Highlights of Qualifications
 Ability to underwrite FNMA/FHLMC loans, meet or exceed production metrics and quality
scores
 Proactive individual with strong organization skills and deadline focused with
extraordinary attention to detail and the ability to work independently
 Excellent collaboration skills and a desire and ability to work as part of a team
 High integrity and outstanding work ethic
 Intermediate to advanced proficiency in MS Office Suite (Word, Excel, Outlook).
 Excellent written and verbal communication skills
Professional Experience:
Digital Risk
Compliance Review Analyst
01/2016-06/2016
Responsibilities:
Perform in depth compliance review of mortgage loan files to ensure compliance with state and federal
regulations, including but not limited to TILA, REG Z, RESPA, ECOA, MDIA, QM, HMDA, TRID
Compliance Analyst Job Duties:
 Audit, verify and ensure that loan disclosures are accurate and comply with regulation timelines at
time of delivery to client
 Prepare ComplianceEase reports by collecting, analyzing, and summarizing information and fees
necessary to guarantee accurate disclosures.
Digital Risk
Mortgage Underwriter/Loan Review Analyst-
11/2012-12/2015
Responsibilities:
Perform in depth underwriting review of closed mortgage loan files
Ensure compliance with investor guidelines.
Anti-Fraud expert: Forensic Underwriting experience
Underwriting Duties:

2.  Reviewing employment documentation and re-calculate income documentation for completeness and
accuracy
 Reviewing and analyzing personal and business tax returns, asset and financial statements.
 Verifying proper licensing of parties to loans being reviewed
 Reviewing and analyzing borrower’s mortgage applications, credit reports and related documents
 Reviewing and analyzing credit reports
 Review appraisal to ensure the value is supported and that the appraiser has provided complete
accurate appraisal.
 Maintain current and fluid knowledge of guidelines
Digital Risk
Compliance Analyst
10/2011-10/2012
Perform in depth compliance review of closed mortgage loan files to ensure compliance with state
regulations and agency disclosure guidelines, including but not limited to: TILA, REG Z RESPA, ECOA,
MDIA, HMDA
Compliance Analyst Job Duties:
 Prepare Mavent system reports by collecting, analyzing, and summarizing information and fees
 Review and verify TIL for compliance
 Review and verify HUD-1 for allowable fees
Digital Risk
Collateral Review Analyst
01/2011-09/2011
Responsibilities:
Review a variety of conventional and consultative appraisal reports, validate and reconcile documentation
associated with a conventional appraisal activity related to complexities
Collateral Review Appraiser duties:
 Identify appraisals where value conclusions differ and coordinate the process of reconciliation
 Analyzing reports for compliance with federal and state regulations including FIRREA, and Uniform
Standards of Professional Appraisal Practice and reasonableness of value conclusion

3.  Study each case to identify the characteristics of the property being appraised (e.g., type, location,
description, and ownership), sources of comparable sales data, degree of similarity between the
subject property and comparable sale properties, permitted uses of real property and other
conditions that may be present
Appraisers of America
Registered Trainee Appraiser Lic# RI21591
11/2008-12/2009
Responsibilities:
Assisting a state certified appraiser in the valuation of retail, office, industrial, and multi-family properties
Registered Trainee Appraiser duties:
 Collecting subject data such as land, building, tax and zoning information
 Updating regional and local market data
 Conducting interviews with market participants
 Researching and writing overviews of real estate trends
 Compilation and database entry of rent and sale comparable data
 Analyzing comparable data relative to subject property characteristics
 Examining historical income and expense information for the subject property
Triton Appraisal Company
Registered Trainee Appraiser Lic# RI21591
11/2006-10/2008
Responsibilities:
Assisting a state certified appraiser in the valuation of retail, office, industrial, and multi-family properties
Registered Trainee Appraiser duties:
 Collecting subject data such as land, building, tax and zoning information
 Updating regional and local market data
 Conducting interviews with market participants

4.  Researching and writing overviews of real estate trends
 Compilation and database entry of rent and sale comparable data
 Analyzing comparable data relative to subject property characteristics
 Examining historical income and expense information for the subject property
Education
Nassau Community College-08/1992-05/1994