GAYLE L. MEYER

Littleton, CO ***** 303-***-****, 720-***-**** ad0t49@r.postjobfree.com

PROFESSIONAL SUMMARY

MORTGAGE UNDERWRITER Expertise in Conventional, FHA, VA & Fannie Mae Loans Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close. Skilled at reviewing documents and making accurate decisions. Bringing firm grasp of risk assessments, hazard recognition and acceptance criteria. Analytical, data driven decision making with expertise in numerous mortgage loan products and processes. Adept in evaluating risk and loss potential and developing information for streamlined processes. Team-oriented with success in building relationships with brokers and sales agents/internal stakeholders to achieve business goals.

SKILLS

Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Account Service Excellence

PROFICIENT IN:

Encompass, Byte, Data Trac, Doc Trac, Calyx, Microsoft Word, Excel, Outlook, and a variety of finance programs (what programs?).

Environmental Control

Government Lending

Influencing Business Growth

Customer Satisfaction

Data Collection

Data Privacy

Loan Product Knowledge

Home Mortgage Disclosure Act

Guidelines Knowledge

Analysis and Evaluation

Desktop Underwriter

Government Standards

Inspection Reviews

Quality Control

Quality Assurance

Critical Thinking

Active Listening

Time Management

Calyx Point

Mathematics

Judgment and Decision-Making

Loan Evaluations

Banking Standards

Loan Restructuring

Fraud Detection Techniques

Risk Evaluation

Complex Problem-Solving

USA Patriot Act

Credit Application Review

WORK HISTORY

REMOTE: SR. MORTGAGE UNDERWRITER 09/2020 to 03/2023

Hancock Whitney Bank

Duties consist of reviewing and underwriting conventional mortgage loan applications submitted by Loan Originators at Hancock Whitney Bank

The responsibility of the underwriter is to ensure all documentation is provided and following all investor guidelines, compliance and AUS findings

Knowledge of the loan programs, overlays, red flags, compliance and structuring of loans is necessary to provide qualified decisions to approve or decline files

Files are reviewed to meet qualified guidelines, review income, assets, potential fraud, meet compliance and AUS findings for loan approval

The file is conditioned for required documentation from the borrower then returned to the loan officer and processor to fulfill the required conditions

When all documentation, guidelines and conditions have been met, the underwriter may then give final loan approval

Notes with daily file records were required.

REMOTE SR. MORTGAGE UNDERWRITER 07/2020 to 09/2020

First Financial Bank

Duties consisted of a full review for mortgage loans

This included reviewing required documentation of income, assets, and appraisals according to program guidelines and for accuracy

Also, communicating with the processors, compliance, and loan officers to resolve any outstanding issues or discuss the AUS findings

Once all guidelines and conditions had been met the underwriter would review and issued final approval or denial while making sure to meet the required deadlines

Notes with daily file records were required

An average of 2-3 loans plus resubmissions were reviewed per day.

REMOTE: CUSTOMER SERVICE REP/ICO 06/2019 to 02/2020

Advantage Credit

Duties were producing credit supplements for the credit reports for various mortgage companies and their potential borrowers

Communication with lenders and brokers for the supplement requests, contacting creditors directly via fax, email or phone, plus conducting conference calls with the borrowers and their creditors to verify information required to produce the accurate credit supplement

Originally worked in the ICO department for 2 weeks prior to CSR which was incoming calls and handling application corrections, assisting in pulling of credit reports for lenders and directing calls to correct locations.

REMOTE PNC UNDERWRITER/JUNIOR UNDERWRITER 09/2016 to 06/2018

American Financing Corporation

Duties consisted of entering the front underwriter's queue's, clearing documentation leaving upfront underwriters with only assets, title, and appraisal for review

This also included double checking of documentation previously cleared by the front underwriters, (income, assets etc.), and addressing of any errors

Other duties consisted of reviewing processing issue files to see if we could move them forward to be approved for mortgage loans

For one year worked as a PNC Underwriter, (Purchase No Contract), underwriting credit, income, and assets to qualify borrowers for a home purchase

I had direct contact with processors, MC's, Coordinators, and management

Upon arrival of new management, I was moved back to Jr

Underwriter and the position was discontinued shortly thereafter.

REMOTE CTC UNDERWRITER 01/2013 to 01/2015

American Financial Resources Inc, Remote

(Clear to Close/QC) Department: Duties consisted of final review of existing or missing required documentation and conditioning of each loan file prior to closing

This also included detail correction of any errors within the file

Knowledge of loan programs, guidelines, state lending rules and updates were a constant factor

Upon completion of initial review, account managers and underwriters were notified of any corrections required, and once completed the file was returned to CTC department for final review

The file was not allowed to close until all corrections were completed and cleared by CTC

This enabled all closed loans to be purchased quickly, enabling a higher company volume

Department responsibilities were dispersed to the underwriters and all CTC personnel went to Operations Support Pods

The responsibilities were to assist account managers and underwriters in obtaining/updating of required documentation in the process field and verifying accuracy of documentation for underwriters

High production & task completion volume was required.

SET UP PROCESSOR/PRE-UNDERWRITER 09/2011 to 03/2012

Metlife Home Loans

Duties consisted of set up, disclosure, and preparation of all required and legal documentation for submission of all new loan application packages

Which included accuracy of loan product, compliance, lending regulations and application information, uploading files into workflow, ordering appraisals, title, and execution of the 4506T

Duties also included communication with borrowers to insure they are still engaged, collection of programs required documentation and fees from potential borrowers

The completion of MCQC, Net Benefit, and High-Cost checklists

Upon returned of documentation it was necessary to verify all documentation was correct and DTI/LTV fit loan programs as a pre-underwrite

Assisting in any, and all aspects to ensure that all current loans are processed, closed, and funded accurately in a timely fashion.

REMOTE UNDERWRITER 04/2011 to 09/2011

Global Financial

Scrubber Level 1, 2

Trailing Docs: Contracted to re- underwrite and scrub mortgage loan portfolios associated to various clients involved in litigation

Clients included either plaintiff or defendant in such cases, and included projects for high profile, well-known mortgage investment companies

Duties included input into testing system from documentation in file, and testing of evidenced documentation

Both automated and manual forms of re-underwrite were required for the Retail/Wholesale divisions

Also, the Correspondent Lending/Manual Underwrite division

This included automated or manual testing, detailing of results, and not limited to one area of review

Learning of necessary guidelines and requirements for each of the various loan products, and the ability to analyze on an individual loan to loan basis was required to complete analysis for all divisions

Manual calculation for accurate DTI/LTV percentages and evidencing of the documentation and percentages were necessary on each file

Detailed noting of each file, and documenting location & labeling of all required documentation.

LOAN PROCESSOR 12/2009 to 03/2011

Rose International Inc, Bank of America

Duties were to obtain, qualify, prepare, and ensure packaging of loans originated by loan officers

Direct communication with the borrowers as to obtaining and explaining of required documentation in a timely manner

Verify loan documents including income, credit, appraisals, and title insurance

Also, to order and coordinate loan documents, as well as meet crucial deadlines as requested.

LOAN PROCESSOR 05/2009 to 12/2009

Robert Half International / Accountemps, Wells Fargo Home Mortgage

Duties were to obtain, qualify, prepare, and ensure packaging of loans originated by loan officers

Communication with the borrowers, verify loan documents including income, credit, appraisal, and title insurance

Also, to order and coordinate loan documents, as well as meet crucial deadlines as requested.

OWNER/OPERATOR/UNDERWRITER 04/2003 to 05/2009

GMH Financial

Duties consist of originating, meeting with, qualifying and underwriting of loans for potential customers

Structuring, processing, underwriting, submitting, and closing of mortgage loan packages to various investors on behalf of numerous clients

Including the qualifying, underwriting, completion and overseeing of required documentation, obtaining verifications, meeting required conditions, and working directly with the investor underwriters and customers to insure closing of such loans according to all governing laws and guidelines

As a direct correspondent with some investors, I also handled and prepared the closing documentation

Loan types were VA, Conventional, Non-conforming, FHA and Manufactured

Owner operator.

EDUCATION

No Degree: Mortgage Underwriting, 08/2020

National Association of Mortgage Underwriters - Online

Underwriting Certification

Real Estate Sales: 1985

Barnes Business College

Finance and Insurance: 1984

Barnes Business College

CERTIFICATIONS

Underwriting, National Association of Underwriters- March 2020 - Present

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