ad1wji@r.postjobfree.com
Canton, GA *0114
Skills
Attention to Detail
Financial History Analysis
Property and Income Evaluation
Creditworthiness Determination
Analytical and Critical Thinking
Decision-Making
Complex Problem Solving
Proficient in Non-QM & Nan-Q loans. (DSCR, BS, Asset-depletion, and P&L)
Proficient in Jumbo, FHA, VA, and Conventional loans.
Certifications
Direct Endorsement
VA Credit and SAR
LOS Systems
Encompass
Lending QB
Dani Huskins
Summary
Skillful and detailed Senior Mortgage Underwriter with 30 year’s experience in reviewing mortgage loan applications for accurate and financial information. In-depth knowledge of income calculations, tax returns, and credit reports. Analytical and flexible professional comfortable working in high-stress environments while delivering excellent customer service and adapting to any situation.
Professional Mortgage Experience
Hancock Mortgage Partners - Sr Mortgage Underwriter
Sugarland, TX
08/2021 - 06/2023
Underwrote Jumbo, FHA, VA, Conventional, delegated, and NON-QM including (DSCR, Asset-Based, and bank statement) loan programs.
Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
Reviewed appraisals to ensure accuracy and compliance with company standards.
Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
Conducted preliminary analysis of loan products and services offered by the company.
Performed quality control review of completed loans prior to funding approval.
Assisted other departments with questions regarding underwriting guidelines or procedures.
Maintained knowledge of current economic trends affecting the real estate market.
Evaluated mortgage loan risk based on sound underwriting decisions.
Signing authority of $2 million.
Geneva Financial LLC - Team Lead / Sr Mortgage Underwriter
Chandler, AZ
08/2020 - 06/2021
Managed an underwriting staff of 9-12 underwriters.
Performed quality control review of completed loans prior to funding approval while evaluating mortgage loan risk based on sound underwriting decisions.
Assisted other departments with questions regarding underwriting guidelines or procedures.
Monitored industry trends to advise management on changes in policy or procedure necessary for staying competitive within the marketplace.
Attended seminars and workshops to stay informed about new developments within the mortgage industry.
Identified areas where additional training was needed among junior underwriters and provided guidance accordingly.
Researched any discrepancies between application information supplied by applicants versus third-party sources.
Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals, and property valuations.
Resolved pre and post-closing issues relating to underwriting
Maintained compliance with company and regulatory policies.
Determined loan eligibility and approved or rejected applications.
Evaluated loans against portfolio and investor guidelines.
Collaborated with loan originators and processors to correctly review and assess applications and risks.
Collaborated with company teams to expedite loan approval processes.
Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
Reviewed appraisals to ensure accuracy and compliance with company standards.
Hancock Mortgage Partners, LLC - Sr Mortgage Underwriter/Assistant Underwriting Manager
Sugar Land, TX
07/2015 - 07/2020
Provided guidance and assistance to underwriters in evaluating risks, making decisions, and preparing contracts.
Ensured compliance with all applicable laws and regulations related to underwriting activities.
Analyzed financial statements of potential customers to assess their ability to pay premiums on time.
Monitored industry trends and developments to ensure competitive products are offered.
Conducted training sessions for new staff members on underwriting principles and procedures.
Assisted in developing strategies for mitigating risks associated with different types of policies.
Provided technical support regarding underwriting processes during audits or examinations conducted by regulatory agencies or external auditors.
Resolved customer complaints promptly and professionally in accordance with established procedures.
Implemented quality control measures throughout the underwriting process to ensure the accuracy of data entry.
Prepared detailed summaries of complex cases for senior management review.
Participated in meetings with senior executives to discuss key issues impacting the performance of the department.
Inspected financial statements, credit information, and title data to complete the underwriting process.
Reviewed and analyzed loan applications for completeness and accuracy.
Assessed risk levels associated with each loan application based on established criteria.
Evaluated collateral properties to assess market value.
Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine the borrower's ability to repay the loan.
Determined whether to approve or deny a loan application in accordance with company guidelines.
References
References available upon request.
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