Jennifer A. Lozano

813-***-**** • ad0w63@r.postjobfree.com

Highly motivated, optimistic, collaborative professional who easily identifies opportunities for improvement, takes initiative, and delivers results for both customers and internal teams.

PROFESSIONAL EXPERTISE

Advanced computer skills

(full Microsoft suite & LOS system)

Senior underwriter

Mortgage Lending (FHA, VA, USDA, Conventional, Bond, Down Payment Assistance)

NMLS

TILA, RESPA, and Predatory

Notary

Financial, credit & tax return analysis

Risk assessment

Appraisal review

Fraud prevention & analysis

Leadership

Training & presentations

Customer service

Conflict management & de-escalation

KEY ACCOMPLISHMENTS

Designed & developed affordable housing Non-Profit.

Researched, applied, awarded, and administered a $500,000 Home Funds Grant

Created and funded a non-profit that supported Special Needs Children with emotional support animals.

Audited and identified Accounting Department embezzlement; restructured department to ensure compliance and prevent future losses.

Created an employee-owned credit union from the ground up.

EXPERIENCE

Assistant Manager Dollar General Apollo Beach, FL Aug 2022 – Present

Key holder, daily store balance, and reconciliation.

Inventory control, merchandising, stocking, training, onboarding, and vendor relations.

Temporary Senior Underwriter Orion Lending Orange, California Mar 2023 – Jun 2023

Underwrote FHA, Conventional, USDA, and Down Payment Assistance programs.

Senior Underwriter Movement Mortgage Indian Land, South Carolina May 2020 – Jun 2022

Underwrote FHA, Conventional, USDA, VA, and Down Payment Assistance programs.

Created an informal process to coach and mentor newer underwriters, loan officers, and processors.

Personally cut file reviews and approvals times by 66%

Became the lead underwriter for complex files including self-employment, multiple rental properties, condos, investment properties, and high balance/jumbo loans.

Senior Nondelegated Underwriter Nationstar Mortgage Dallas, Texas Aug 2015 – Apr 2020

Managed and de-escalated the most difficult clients and files.

Tagged as a subject matter expert for special projects, and training.

Second-level file reviews

Senior Underwriter & Senior SAR Proficio Mortgage Ventures LLC Orlando, Florida Sept 2013 – Jun 2015

Acted as the point of contact for VA.

Trained new and existing VA Underwriting Staff, customer service, loan officers, and processors.

Oversaw NOVs to ensure compliance.

EDUCATION & CERTIFICATIONS

High School Diploma East Bay High School

FHA Direct Endorsement (DE) Underwriter

VA LAPP

VA Staff Appraisal Reviewer (SAR)

Notary

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