Cheryl R. Thomas
aca9kf@r.postjobfree.com
Summary of Qualifications
• Senior Mortgage Underwriter with extensive experience working remote and onsite
• DE/SAR certified with a Signing Authority of $1.5 million
• Experience Underwriting Conventional, Jumbo, FHA and VA Loans
• Extensive knowledge of FNMA/FHLMC/VA/FHA programs
• Audit frontline, new hires and pre-funding agency loans
• Proficient in Encompass, DU and LP
Work Experience
Senior Mortgage Underwriter-Remote
2012-2013
Weststar Mortgage Inc.
• Underwrite Conventional, Jumbo, FHA and VA loans utilizing correspondent guidelines
from multiple investors and to secondary market
• Assist loan officers with loan scenarios
• Assist other team members
• Review Title work
• Send loans for review to correspondent lenders when required
• DE and SAR certified
Underwriting Technical Expert/Auditor
2011-2012
SunTrust Mortgage, Glen Allen, VA
• Audit frontline and pre-funding agency loans
• Obtain audits in the data process control program
• Underwrite pre-funding QC agency loans
• Assist supervisor and team lead with special projects and 2nd tier reviews
• Train/Mentor lower level underwriters and new hires
• DE and SAR certified
Process Controller
2009- 2011
SunTrust Mortgage, Richmond, VA
• Train new hire underwriters
• Audit underwriters for regular audit and lending authority increases
• Assist team leads with training, special projects and reviews
• Mentor lower level underwriters and new hire underwriters
• Underwrite Conventional, FHA, VA and VHDA loans using automated systems and
manually
• DE and SAR, and VHDA certified
Senior Underwriter
2009-2009
Old Virginia Mortgage, Glen Allen, VA
• Underwrite conventional, FHA, VA and RD loans utilizing correspondent guidelines from
multiple investors
• Accommodate scenarios and basic underwriting questions
• Provided assistance to post closing dept. with overflow
• DE, SAR and RD certified
Senior Underwriter
2007-2009
SunTrust Mortgage, Richmond, VA
• Underwrite Conventional, FHA, VA, and VHDA loans.
• Assist team leads with training and branch scenarios
Senior Underwriter/ Office Manager-Wholesale
2004-2007
National City Mortgage, Richmond, VA
• Underwrite Conventional, FHA and VA loan programs
• Assisted Account Executives and main branch staff with underwriting scenarios
• Trained underwriters for their FHA DE and VA SAR certification
Senior Underwriter
2003-2004
Headway Staffing-Remote, Richmond, VA
• Underwrite Conventional, FHA and VA loan programs
• Underwriting Supervisor – Retail/Wholesale
Operations Manager
2000-2003
United First Mortgage, Richmond, VA
• Supervise underwriting staff for the retail and wholesale division
• Assisted Account Executives and main branch staff with underwriting scenarios
• Trained underwriters for their FHA certification
• Assisted operations manager with special projects and personnel issues
Automated Underwriter/ Senior Loan Processor
1999-2000
National City Mortgage, Richmond, VA
• Underwrite Conventional
• Process loans for loan officers in the retail branches.
Education
Thomas Dale High School, Chester, VA
High School Diploma - 1982