MARIA MERRITT

Penfield, NY *****

585-***-****

ad25m5@r.postjobfree.com

Seasoned Mortgage Underwriter with a comprehensive knowledge of underwriting guidelines. Organized, timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.

PROFESSIONAL PROFILE

FHA DE Underwriter including 203K Renovation – CHUMS ID A974

VA SARS/LAPP Underwriter - VA 026215

Conventional Underwriter including Bond loans/Homestyle Renovations

•Proficient in automated underwriting tools LP/DU, WEBLGY

•Thorough understanding of underwriting policies and procedures

•Strong computer skills, proficient in Microsoft Word, Excel, Teams, Encompass, Outlook

•Able to work in a fast-paced environment and deliver high quality production

•Knowledge of closing, title and post-closing requirements

•Advanced income analysis experience in reviewing Rental Income /Self Employment, Corporate/ Partnership and Schedule C returns

•Strong analytical and problem-solving skills

•Ability to assess credit worthiness and make credit decisions based on regulatory, investor and compliance requirements (ex: credit reports/income & assets documents)

•Ability to analyze appraisals to ensure FNMA/FREDDIEMAC/FHA /VA compatibility

•A vast work history that shows flexibility and adaptability in all aspects of mortgage lending (Originations/Processing/Underwriting/Closing)

•High integrity, good work ethic and self-motivated

EXPERIENCE

Consumer Loan Underwriter III FAIRWAY INDEPENDENT MORTGAGE 2018 - 11/2023

Consumer Loan Underwriter III HOMEBRIDGE FINANCIAL previously PROSPECT LENDING 2014 - 2018

Consumer Loan Underwriter III WELLS FARGO HOME MORTGAGE 2012 - 2014

Assistant VP/Consumer Loan Underwriter Alliance Mortgage Corp 2002-2012

EDUCATION

Associate of Science Degree