CAROLYN M. HATZENBUHLER

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**** ******** **** ****

Clarkston, MI 48348

586-***-****

Summary

I am a detailed Senior Mortgage Underwriter with a can-do attitude, offering a 23-year background reviewing real estate loan applications for accurate, necessary information and red flags. I offer in-depth knowledge of income calculations, tax returns, credit reports, asset statements, appraisals, for loan specific guidelines. Analytical and flexible professional comfortable working in high stress environment, with a team and/or independently, while delivering excellent customer service and quality. I am seeking to secure a responsible career opportunity to fully utilize my training and skills, while making a significant contribution to the success of the company.

Skills

• LOS/SYSTEMS: Encompass; Calyx Point; LoanSafe;

FraudGuard; GUS; DU; LP; WebLGY; FHA

Connection; MS Office

• BOND Loans

• DE certified

• SAR LAPP certified

• USDA

Education and Training

Some College, Paul K. Cousino Senior High and Career Preparation Center for Computer Information Systems Experience

Supreme Lending Dallas, TX

Senior Mortgage Underwriter/Team Lead

FNMA, Freddie Mac, DE, SAR LAPP, USDA, Bond Loans

40+ hours/week including weekends

9/2020-12/2022; 4/2023-10/2023

• Review 2-3 New Submissions/day

• Review and analyze credit, income (WVOE, pay stubs, W2’s, Personal and Business Returns, Rental Income Docs, Transcripts) and collateral documents for accuracy and any risk/red flags

• Complete initial decision per company guidelines, overlays, and agency guidelines

• Analyze submitted condition documents to complete decision

• Effectively communicate with internal and external contacts throughout process

• Promoted to Team Lead, monitor team queues for SLA’s, assigned loans out daily

• Assist manager with inquiries, second level reviews, questions and escalations from team, Loan Processors, Loan Officers, Closings and Compliance

• Attended Leadership Training with Peoples Work and received Certificate of Completion

Union Home Mortgage Strongsville, OH

Senior Mortgage Underwriter FNMA, Freddie Mac, DE, SAR LAPP, USDA 40+ hours/week including weekends

05/2018 - 09/2020

• Review 2-3 New Submissions/day

• Review and analyze credit, income (WVOE, pay stubs, W2’s, Personal and Business Returns, Rental Income Docs, Transcripts) and collateral documents for accuracy and any risk/red flags

• Complete initial decision per company guidelines, overlays, and agency guidelines

• Analyze submitted condition documents to complete decision

• Effectively communicate with internal and external contacts throughout process

• I Completed USDA Training

United Wholesale Mortgage Troy, MI

Senior Mortgage Underwriter

FNMA, Freddie Mac, DE, SAR LAPP

40+ hours/week

02/2012 - 05/2018

• Hired as Junior Underwriter reviewing conditions submitted

• Promoted to Team Lead

• Assigned out loans daily to team/managed pipeline/queue

• Completed Senior Underwriting Training

• Promoted to Senior Underwriter

• Review 5-7 New Submissions/day while keeping Senior Condition Queue within SLA’s

• Review and analyze credit, income (WVOE, pay stubs, W2’s, Personal and Business Returns, Rental Income Docs, Transcripts) and collateral documents for accuracy and any risk/red flags

• Complete initial decision per company guidelines, overlays, and agency guidelines

• Effectively communicate with internal and external contacts throughout process

• Selected by management for mentoring new Senior Underwriters, advised management if Underwriter is ready or not for full release into production

• Received SAR LAPP & DE Chums ID

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