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Mortgage Underwriter

Phoenix, Arizona, United States
February 09, 2018

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Gabriela Lee



Movement Mortgage, Tempe AZ

Position: Mortgage Underwriter 2016 to 2017

Underwrite Conventional, Jumbo, FHA,VA,USDA loans and apply needed conditions to mortgage applications to assure borrower meets program/product specifications.Evaluate debt ratio, loan-to-value ratios, credit score, property valuation and various other factors

Calculate income for all types of borrowers; analyze various sources of income including self-employed borrowers income such as Partnership, S-corporations, Corporation and multiple rental properties

Determining and documenting loan conditions and communicating requirements and/or decisions

Evaluate complex loan scenario, loan applications, inspection report and financial reports to asset financial risk including potential fraud

Suggest potential alternative documentation when conditions do not meet requirements or restructure as a counter-offer.

DU, LP, and GUS underwriting systems.

Quicken Loans, Scottsdale AZ 2014 to 2016

Position: Mortgage Underwriter

Experience using automated underwriting systems underwrite Conventional, Jumbo and FHA loans

Underwrite an average of minim 10 new loans per day and cleared conditions on minim 30 loans

Reviewed and ensured documentations were consistent and upheld to company and industry guidelines

Perform credit, income, asset analysis on conventional loans

Provided customer service to internal staff and bankers by explaining credit decisions, and offering alternative options when needed to complete approvals

Reviewing, conducting cash flows to determine affordability, including unusual or complex financial documentation including self-employed borrowers income such as Partnership, S-corporations, Corporation and multiple rental properties

Wells Fargo, Phoenix, Arizona 2010 to 2014

Position: Mortgage Underwriter IV

Underwrite Conventional loans using FNMA/FHLMC conventional guideline

Approve or denial mortgage loans based on review of information on loan documents

Reviewing financial statements, credit reports, and applicable ratios; evaluating; examining transactions to ensure accuracy and completeness ensuring that documents are consistent and uphold to company and industry guidelines

Implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines

Knowledge of Microsoft Office applications, Automated Underwriter system, AMP, LARS, DOC WIEV, HAMP,HARP, DU/LOS, LIS, LIV, LPS, GEM, ERLMF, SharePoint, CLARA and Credco

Riffeisen Bank, Bucharest, RO

Position: Mortgage Underwriter III 1998 to 2009

Re-underwrite file to applicable Investor/Agency guidelines to ensure compliance with full narrative summary.

Review property appraisal and comps used to support the origination value.

Accurately record data and compile a review of the circumstances and applicable conclusions within the proprietary software

Communicate with processor/originator on decision.

Monitor status of loans in pipeline on regular basis; communicate with originators, borrowers, real estate agents and appraisers.

Maintain loan submission register; confirm lock-in sheets with secondary market; process cancelled loan files and refund checks.

Comply with bank policies and procedures, regulatory requirements and investor guidelines.


Gateway Community College, Phoenix, AZ

Associate in Applied Science – Accounting

Constantine Brancusi University

BA/BS Degree in Economy

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