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Mortgage loan underwriter, processor, closing, post closing, investor

Bellingham, Washington, United States
February 27, 2018

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Michelle A Rowe

Bellingham, WA *****

425-***-**** or 360-***-****


*** **** – USDA,


Automated or Manual underwrites

Purchase/Refinance/Streamline/New Construction/Manufactured, 2nd mortgage, DPA

Detail oriented, excellent interpersonal, organizational, prioritizing, communication skills, with excellent time management in a high volume, high paced, atmosphere with the excellent multi-tasking skills producing very timely and accurate results .

Proactive, motivated, self-starter, prudent, concise, resourceful, detail oriented underwriter that meets and exceeds production goals with little to no supervision.

Responsible for complete analysis of compliance, credit, income, asset, collateral, of entire loan package insuring meets all company, investor and agency guidelines. Ability to think outside the box while staying within all investor, agency and company guidelines and overlays. Ability to restructure loan if needed delivering alternative options when needed.

Available to post closing with repurchase responses/rebuttals and restructure as well as all internal staff and external customers and borrowers.

Maintaining a thorough knowledge of all company, investor and agency guidelines, new products and overlays at all times.

LOS SYSTEMS: Encompass, Citrix Calyx Point, Orijin,Data Trac, Byte, Contour,Pro Lender, Mortgage Machine,Doc Velocity, Contour, Doc Magic Citrix, -Ability to learn new systems immediately.

DU, DO, LP, GUS, FHA Connection, VA Portal, Investor engines

EMPLOYMENT HISTORY- Remote and in office, underwriting in all states.

ALASKAUSA FEDERAL CU- Senior remote mortgage loan underwriter – 06/201***/****-07/2017

ENVOY MORTGAGE- Senior remote underwriter- 02/2017 to 04/01/2017

Underwriting all mortgage loan types in WA, ID, OR, CO, CA

GAP- 10/2016 to 02/2017 due to mother’s death from cancer

STEARNS LENDING- 08/2016 to 10/2016- Remote Senior Underwriter- Yorba Linda Office

Underwriting all mortgage loan types in WA, ID, MT, CO, UT, OR, CA. Awarded – Exceeding 942 units in one month.

SOUTH PACIFIC FINANCIAL – 08/2015 to 12/2015- Remote Senior Underwriter- Rancho Cucamonga

Underwriting all mortgage loan types in WA, ID, MT, CO, UT, OR, CA


Between 12/2015 to 08/2016 was due to caring for my mother, she went into remission and then the cancer came back and eventually took her life.

CONSULTING- Between 2014 and 2015- I worked for myself consulting and contracting. I would train processors and underwriters FHA Connection, VA portal; GUS input and interrupt guidelines new products and overlays.

This gap was due to my father suffering from lung, kidney cancer and I had to move in with him to care for him, he did pass away from the cancer Late 2015, and I then found employment only to find out my mother was diagnosed with ovarian cancer and I had to care for her after him. During this time, I went to agency, investor and MI company websites and attended online webinars and kept up to date on new programs, guideline changes, policy and procedure as well as took refresher courses through the MI companies. It was a difficult time. I kept knowledge of the new programs and updates going to FHA, VA, FNMA, FHLMC, USDA, and investor websites each day. Attending webinars on FHA connection and VA Portal.

AMERICAN SOUTHWEST MORTGAGE – 05/2013 – 01/2014- Senior Remote Underwriter

Underwriting all mortgage loan types in all states for this company from the west coast to east coast.

Awarded- Gold Star Employee of the month

Laid off from this company due to slow time and underwriting was in house now.

MLD MORTGAGE- 08/2012-10/2012- Senior Remote Underwriter

Underwriting all mortgage loan types- Laid off due to licensing problems with the State of Washington

GAP- Took one year off to have knee replaced and move the rest of my things from Colorado to Washington

TMBG,INC. - 07/2010- 08/2011- Obtain FHA Full Eagle, VA non supervised, and USDA approval – Senior remote and in office underwriter, training- I completed all the test cases for FHA,VA and help develop compliance, policy and procedures for the company that was acceptable to each agency. I then trained all staff in the respective positions how to originate, process, underwrite, close, insure, pay mips and funding fees and navigation through FHA Connection, VA Portal and GUS input and submission and registration. I completed these approvals in two months, during the time I undertook this project I also underwrote loans daily, cleared conditions and answered all calls and emails. I work day and night for a year but it was worth it to help build a strong company that the owner then sold and I decided to take a year off.

MORTGAGE ADVISORY GROUP - 09/2009 TO 07/2010- Senior Underwriter-

Underwriting all mortgage loan types-, I left this company to build TMBG with a former employer.

GAP- -7/2009- 09/2009- Moved back to Washington State from Colorado

MORTGAGE SOLUTIONS - 01/2006 to 07/2009- Loan Processing Manager, Senior Mortgage Underwriter- I held both positions for a time and then went to underwriting only . Underwriting all mortgage loan types and processing. I left this company to move back to Washington State. I had worked for the owner of this company in one other business that he started in 1994 and we continued to have contact for new opportunities

Awarded-Employee of the quarter

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