Tonya Johnson

SENIOR MORTGAGE UNDERWRITER

Dallas, TX 75247

ad1wp3@r.postjobfree.com

+1-214-***-****

I am seeking a position in the Mortgage, Banking, and/or Financial Industry that includes but is not limited to the following positions:

SENIOR MORTGAGE UNDERWRITER

DOCUMENT REVIEWER

QC ANALYST

QC TECHNICIAN

Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

QC Technician

PepsiCo Frito-Lay - Irving, TX

November 2022 to Present

• Processing and packaging quality testing and documentation

• Conduct routine testing of in-process materials, live loads and raw materials

• Perform laboratory analysis on raw materials and finished products

• Monitor and audits production processes to ensure that all products leaving the plant meet internal and external quality standards

• Place on “HOLD” any finished product not in compliance with food and safety regulations

• Monitor the production areas with hourly walks to ensure Good Manufacturing Practices compliance

• Performing PSM Audits daily

• Performing Bag Certifications per shift

Senior Mortgage Underwriter (Remote)

Prosperity Home Mortgage - Chantilly, VA

December 2021 to June 2022

• Authorizing and underwriting loans

• Reviewing and verifying loan applications and supporting documentation

• Underwrote loans through DU/LP AUS system

• Analyzing loan risk and requesting additional information as deemed necessary

• Made recommendations according to risk factors and evaluations per loan

• Make loan eligibility decisions and approve or reject applications

• Document reasons for the approval or rejection of loans

• Specify loan conditions as deemed necessary

• Ensure compliance with regulatory standards

Senior Mortgage Underwriter

Ascent Home Loans - Duncanville, TX

May 2008 to December 2021

• Underwrote loans thru USAA, Wells Fargo Private Bank, Tolleson, BNY Mellon, Victory Partners LLC, Amegy Bank, Renovo Capital LLC, and a large sector of various private investors and wealth management entities.

• Strong Frontline Underwriting, Strong Residential underwriting (including but not limited to) Jumbo, Complex Loans, Non-Conforming, Self-Employed, and Trusts and Limited Liability Corporations (LLC's).

• Strong Non-QM Underwriting

• Proficient in 12-24 months Personal & Business statements to determine qualifying income

• HNWI Loans

• Foreign National Loans

• I/O-Interest Only Payment Options

• Investor Multiple Rental Units Loans

• Self-Employed Loans

• Construction & OTC (One-Time Close) Loans

• AML/KYC

• Underwrote an average of 3-6 loans + daily.

• Underwrote FHA/Conv./VA loans, and verified all required documents.

• SharePoint

• Sales Force

• Recommended alternative loan solutions.

• Performed tax return, royalties, trust funds, and complex income analysis.

• Managed pipeline daily.

• Strong AUS,DU, LP and Manual Underwriting

• Advanced Encompass knowledge

• Pulled Credit Reports.

• Strong knowledge of policies and procedures of all loan products.

• Technologies: Underwriting, Jumbo Mortgage Loans, Complex loans, HNWI's, Non-QM, USDA, ARM, VA, FHA, Documentation, and Analysis.

Mortgage Underwriter

EMC Mortgage - Lewisville, TX

January 2005 to May 2008

• Underwrote 40-50loans per month (i.e. FHA, Conv., and VA).

• Performed a variety of loan documentation duties on complex loans (i.e. FHA, VA, ARM and Conventional).

• Underwrote loans thru Fannie Mae, Freddie Mac guidelines.

• Underwrote through various Investor guidelines.

• Re-verified Escrow and PITI payments, escrow analysis, and escrow research (i.e.-evaluating overages

& shortages.

• Reviewed Appraisals

• Underwrote Loans, Audited loans, serviced PMI requirements, Hazard, Flood, and other Insurance Products.

• DU/LP AUS LOS systems

• Sales Force

• SharePoint

Mortgage Underwriter / Escrow Analyst

Concorde Acceptance Company - Dallas, TX

December 2000 to January 2005

• Underwrote FHA, Conventional, and VA loans.

• Audited loans, escrow analysis, initial escrow disclosures, and escrow research (i.e.-evaluating shortages/overages).

• Knowledge of Bank financing requirements.

• Pulled Credit Reports.

• Ordered all required verifications.

• Performed a variety of loan documentation duties on complex loans (i.e. FHA, ARM, VA, Refinance and Conventional).

• Knowledge of policies and procedures of all loan products.

• Technologies: Mortgage, Loan, FHA, ARM, VA, and Documentation. Education

Some College in Accounting and Finance

Texas Woman's University - Denton, TX

August 2003 to May 2005

Diploma

Law Magnet High School - Dallas, TX

August 1983 to June 1987

Skills

• Underwriting (10+ years)

• Microsoft Excel

• Microsoft Word

• Microsoft Outlook

• Data entry (10+ years)

• SharePoint (5 years)

• Documentation review (10+ years)

• Quality control

• Banking

• Customer service (10+ years)

• Analysis skills

• Pivot tables

• CRM software

• Communication skills

• Computer literacy

• Business development

• Time management

• Microsoft Office

• Lexis-Nexis

• Construction

• Sales pipeline

• Risk management

• Computer operation

• Escrow

• Accounting

• Research

• Sales

• Wills, trusts, & estate law

• Fair Housing regulations

• Non-QM Underwriting (8 years)

• Anti-Money Laundering (5 years)

• FNMA (10+ years)

• Typing

• QuickBooks

• Oracle

• Salesforce

• Pricing

• Cold calling

• Loan processing

• TILA

• Computer skills

• Lending

• Math

• Cash flow analysis

• E-commerce

• Quality audits

• QA/QC

• Quality systems

• Quality inspection

• Quality assurance

Additional Information

SKILLS:

• Non-QM Underwriter

• Jumbo, Non-Conforming, FHA, VA, Conventional

• Investor Multiple Rental Units

• 12-24 months Bank Statements

• Foreign Nationals

• (HNWIs) High Net Worth Individuals

• Loan Processor

• SharePoint

• Escrow

• Documentation

• Encompass

• AML/KYC

• AUS, DU, LP, Manual Underwriting

• Frontline Underwriter

• Advanced Encompass knowledge

• Mortgage

• MS Office, MS Excel, MS Word

• QC Analyst

• Data Entry

Contact this candidate