DE / SAR LAPP Mortgage Underwriter
Resume:
GULF SHORES, AL *****
**********@*****.***
EMILY LEWANDOWSKI
SKILLS
• Ability to assess risk, while reviewing client’s, credit, financials and other supporting documentation to make sound credit decisions for client and lender
• Exceptional communication skills with loan originators, loan processors and underwriting team discussing details of the transaction and determining the best outcome, while using procedures and guidelines as the driver for the decision-making process
• Strong work ethic / self- motivated and always striving to improve knowledge base and experience
EXPERIENCE
CrossCountry Mortgage, Cleveland, OH (Remote) -Senior Underwriter Aug 2023 – Nov 2023
• Production Underwriter analyzing risk assessment for a variety of mortgage transactions and programs, Conv, FHA, 203K, VA, USDA & State Bond down payment assistance programs
• DE / SAR certified for underwriting FHA and VA loans meeting agency guidelines
• Analyzed and underwrote loans on a national level interacting with a multitude of branches corroborating as a team to help clients achieve their financial goals
• Experienced with reviewing complex lending scenarios including multiple properties, businesses and analyzing personal and business tax returns to calculate self-employed income
• Worked within many systems and tools that integrated with Encompass such as ordering private mortgage insurance, pulling and reviewing Data Verify reports, and ordering compliance reports for all lending transactions
• Maintained a diverse pipeline of loans, completing transactions within the required company turn times
• Reviewed applications to ensure regulatory standards, company policies and agency guidelines were in compliance
• Managed all workflow with the Encompass software system for underwriting all credit files
Evergreen Home Loans, Bellevue, WA — Construction Underwriter Dec 2022-July 2023
• Researched, reviewed and approved builders per company policy and guidelines
• Reviewed and decisioned projects per construction related documents, such as builder contracts, scope of work, list of materials, plat maps, appraisals and inspection reports
• Communicated with builders and clients through the construction process to ensure projects stayed on time and were meeting the estimated completion dates
Evergreen Home Loans, Bellevue, WA (Remote) — Senior Underwriter Sept 2013-Oct 2022
• Production Underwriter analyzing risk assessment for a variety of mortgage transactions and programs, Conv, FHA, 203K, VA, USDA & State Bond down payment assistance programs
• Proficient with using DU / LP / GUS (USDA system), FHA Connection, and VA Portal
• Performed manual underwriting analysis on transactions that did not fit the automated underwriting platforms following all requirements of the programs manual guidelines to determine a sound credit decision
• Analyzed residential appraisals, property title reports, and multitude of property related documentation
• Reviewed Condo projects for delegated approval with FNMA and FMHLC to ensure projects meet the agency requirements in the financing process EDUCATION
Auburn University Montgomery, Montgomery, AL — Bachelor of Science Sept 1991-Dec 1996
Bachelor of Science in Business Administration / Finance
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