Laine Jackson

FHA DE Certified, Conventional, DU/LP, Bonds

ad2t8j@r.postjobfree.com

720-***-**** Cell

Sr. DE Underwriter - Remote

Home Point Financial - Ann Arbor, MI Sept. 2020 – Nov. 2021

Responsible for evaluating mortgage loan documentation in order to approve or deny loan applications. Review and analyze all areas of the mortgage loan application to ensure accuracy, completeness, and that complies with lender and regulatory guidelines. Assure data integrity and accuracy of AU input as well as the LOS input. Review credit and collateral. Confirm proper loan documentation is in the file and dispositions are executed. Keep current on regional market changes, trends, industry guides, federal guidelines, program updates and investor changes. Provide a second layer of quality control to insure the liability taken on by the company will result in a saleable loan.

Sr. DE Underwriter – Remote American Financing Corporation - Aurora, CO

April 2019 – Sept. 2020

Responsible for providing an exceptional level of support to the underwriting dept., processing and sales teams. Provide an additional review of high-risk loans for approval that require a 2nd signature. Verify loan conditions meet investor, agency and company guidelines. Review credit, income, assets and property appraisals and all supporting documentation are in accordance with standard underwriting guidelines as defined by the product-specific investor and/or the agency guidelines. Verify all requirements of the operations/policy manual have been met. Communicate clearly with teams on the status of loans while adhering to the targeted underwriting matrix.

Sr. DE Underwriter - Remote Skyline Financial Corp. - San Diego, CA Jan. 2017 - April 2019

Represent the company in a professional and enthusiastic manner by providing exceptional customer service, supporting the mission statement, and adhering to the core values. Properly condition loan files in accordance with investor, agency and/or Skylines guidelines as applicable to the individual loan. Review appraisals and any supporting documentation in accordance with standard underwriting guidelines as defined by the product- specific investor and/or the agency guidelines. Verify all requirements of the operations/policy manual, as it pertains to underwriting, have been met.

Communicate proactively with the internal staff on the status of all loans. Responsible for adhering to the targeted underwriting turn-time requirements.

Sr. DE Underwriter- Remote American Pacific Mortgage - Englewood, CO May 2015 – Jan. 2017

Review FHA, Conventional and Bond loans in 19 states according to Lender, Investor, Bond Program and Federal Lending regulatory guidelines. Assure data integrity and accuracy of AU input as well as the LOS input. Review credit and collateral. Current changes to market, trends, and industry guides, Federal guidelines, program updates and investor changes. Provide a second layer of quality control. Knowledge of Encompass, FNMA Desktop Underwriter, FHLMC Loan Prospector, etc.

Education

Diploma New Mexico

May 1984

Skills

• Mortgage Underwriter 25+ years

• Credit Analyst

• Risk Management

Certifications and Licenses

FHA Direct Endorsement CHUMS #

Issued 1998

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