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Customer Service Human Resources

Phoenix, Arizona, United States
February 22, 2018

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Tina M. McAllister Phoenix, AZ ***** (612) ***-****


Dedicated, Direct Endorsement Certified Underwriter with over 25 years of experience analyzing, underwriting, and maintaining loans in the financial industry. Highly motivated and results-driven professional with more than twenty-five years of experience understanding and assessing financial information, documenting and finalizing loans, and ensuring quality customer service. Certified Direct Endorsement Underwriter for over 18 years, completed in 1999. Dedicated, proven leader with excellent communication and collaboration skills, focused on aligning the customer's needs with available programs. Detail-oriented, respected manager skilled in multiple systems for both manual underwriting and automated underwriting, including DU/DO, LP, LIP, and LPS. Proficient in Encompass and various image systems.

Areas of Expertise

• FHA and VA Loans • Financial and Income Statements • Mortgage Processor

• Underwriting Systems • Loan Closing Procedures • Human Resources

• DE Certification • Mortgage Regulations • Encompass System Professional Experience

Cliffco Mortgage Bankers, St Thomas, VI

Senior Mortgage Processor, March 2015 – October 2017 Compile and analyze loan applicant’s financial statements, income history, and other pertinent financial documents, determine whether applicant will qualify to receive funding on their loan request. Collect data and scan applications through mortgage programs to ensure compliance with regulations specific to loan programs, including FHA, VA, and Conventional loans. Present loan applications and supporting information to the underwriters for final review and action, complete any necessary documentation or conditions as recommended.

Wells Fargo Mortgage Corporation, Minneapolis, MN

Jumbo Loan Underwriter, May 2007 – August 2014

Examined and administered both conventional non-conforming, Jumbo, and conforming loans. Determined loan conditions and eligibility for loan programs, including Fannie Mae, Freddie Mac, and FHA, based on applications and results from evaluating financial information. Interacted daily with brokers, processors, account executive, and co-workers, ensuring customer’s needs are achieved with quality service. Provided expertise in the evaluation of complex business and person tax returns.

• Responsible for Jumbo loan underwriting with lending authority up to $2 million as part of an elite team.

• Honored with multiple QIS Quality Star awards, achieving and exceeding the overall acceptance benchmark of 90% with quality performance and customer service. First Franklin Financial, Bloomington, MN

Mortgage Underwriter, October 2004 - May 2007

Tina M. McAllister Page 2

Completed comprehensive reviews and the underwriting of conforming and non-conforming conventional loans, stipulating loan conditions and program eligibility based on findings. Assisted brokers, processors, and account executives daily, focused on the efficient operation of the loan programs. Wells Fargo Mortgage/ Spherion, Minneapolis, MN

Contract Mortgage Underwriter, March 2004 - August 2004 Facilitated the underwriting of both new real estate purchases and refinances, functioning within the regulations for FNMA, FHLMC, conforming, and non-conforming applications. Participated in the Wells Fargo LPS program, an interface program with FHLMC/LP. Dedicated to completing transactions and finalizing purchases for customers, conducted daily interactions with Processors, Loan Originators, and customers centered on expediting the loan process. RMIC/Contemporary Services, Inc, Bloomington, MN

Remote Mortgage Underwriter, February 2003 - March 2004 Contracted with investors to review and offer recommendations on applications, ensuring regulations and compliance with FNMA, FHLMC, and investor guidelines. Interacted daily with over 50 brokers and investors regarding loan applications. Finalized conditions of each file prior to returning documentation to investors.

Additional positions of employment in the operations department, human resources, accounts receivable and accounts payable, loan originator, personal banker, vault teller, and bank teller within the banking and financial industries.


High School Diploma, January 1979

Frank B. Kellogg Senior High School, Little Canada, MN Certifications and Professional Development

Industry Program Education, Continuing Education Programs, 1983-Present D.E. Authorized Underwriter, 2000

D.E. Underwriting Class, 1999

D.E. Underwriting Analysis Class, 1999

Financial, Accounting, and Computer Coursework, 1992-1998

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