Heather Roberts

970-***-**** Rifle, CO ad02ab@r.postjobfree.com linkedin.com/in/heather-m-v-roberts Senior Underwriter

Self-directed mortgage professional adept at navigating complex regulations, evaluating risk, ensuring loan quality, and fostering collaborative relationships with clients and peers.

Deep understanding of FHA, VA, USDA, construction, conventional, jumbo, and non-QM loans.

Thorough knowledge of Fannie Mae, Ginnie Mae, Freddie Mac, and investor guidelines.

Proficient in automated underwriting and loan origination systems.

Strong analytical and problem-solving skills.

Excellent verbal and written communication skills.

Detail-oriented, with exceptional time management abilities.

Ability to adapt to fast-paced environments and prioritize competing tasks effectively. RELEVANT PROFESSIONAL EXPERIENCE

Maxwell Financial Labs, Remote 2020–2022

Underwriter II

Held underwriting signing authority for loans up to $625K. Reviewed and analyzed full picture of financial information to determine loan qualification. Verified income, assets, debts, and earnest money deposits. Reviewed appraisal reports to identify and resolve any discrepancies.

Promoted from Junior Underwriter to Underwriter II within 6 months of hire based on demonstrated expertise in evaluating loan applications and maintaining high accuracy standards.

Ensured error-free loan underwriting, resulting in consistently clean loan assessments without any findings.

Strategically restructured loans for approval, maintaining open communication with loan officers and processors to clarify decisions and secure borrower cooperation for additional documentation if necessary.

Selected for Manager Trainee program tasked with overseeing daily workflow of underwriters and conducting secondary reviews of denied applications to identify training opportunities. Computershare, Remote 2017–2020

Senior Processor

Assisted brokers with conditions, managed document assignment to conditions, and facilitated efficient underwriter reviews. Handled wholesale and retail processing for various loan types, including conventional, VA, FHA, and USDA. Provided technical support to processors and brokers.

Played key role in training new processors on complex internal loan processes to enhance skillset. Major Mortgage, Remote 2014–2017

Senior Processor

Processed diverse mortgage types, including USDA, FHA 203b, VA, and conventional loans. Conducted thorough risk assessments by analyzing credit documents and ensuring compliance with regulations. 970-***-**** Heather Roberts page 2

Altavera, Remote 2013–2014

Senior Processor

First Processor hired charged with processing FHA 203b, VA, and conventional purchases and refinances.

Collaborated with operations manager to establish Encompass (LOS) policies and procedures, navigating challenges of precise borrower disclosures and accurate setup. Intercap Lending, Remote 2012–2013

Senior Processor

Processed FHA 203b, FHA 203K, and conventional loans, contributing to efficient loan origination.

Worked closely with operations department to launch new FHA 203K program. Universal American Mortgage Company, Clearwater, FL 2012–2012 Senior Processor

Successfully communicated with stakeholders to provide timely updates on loan statuses. Consistently obtained approvals for closing within tight timelines by maintaining strong communication and organization.

Processed wide range of loans, including USDA, FHA 203B, bond, VA, and conventional. Bank of America, Tampa, FL 2009–2012

Underwriter, Home Service Specialist II

Exercised underwriting signing authority for loans up to $750K. Processed and underwrote various types of refinances, including HARP, rate/term, and cash-out.

Consistently achieved monthly goals including exceeding loan processing targets by 67% over 3 consecutive months.

Uncovered fraudulent gift funds and mitigated potential risk by detecting suspicious documents and reporting findings to underwriter.

EDUCATION & TRAINING

High School Diploma East Lake High School

Mortgage Underwriter 101, “The Essentials” National Association of Mortgage Processors (NAMP) Advanced Underwriting, “Real World Lessons” NAMP DISCstyles® COMMUNICATION & BEHAVIORAL STRENGTHS

Excellent team player and very supportive of team efforts, while also respecting organizational policies and protocols.

Able to appropriately handle both human and task sides of projects.

Optimistic, enthusiastic, self-motivated, and goal-directed, often able to spread self-motivation to others.

Encourages others and contributes to positive work atmosphere, making efforts to avoid climate of hostility.

Builds trust, credibility, and rapport with audience through sincere desire to understand their needs.

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