Terri Gino

Mortgage Underwriter

ad2wcs@r.postjobfree.com • 314-***-****

Grover, MO 63040

Summary

Accomplished mortgage underwriter with an extensive background in assessing and greenlighting high-value loans. Renowned for meticulous property evaluations and insightful financial appraisals, ensuring strict adherence to FNMA, FHLMC, and AUS guidelines. Adept in utilizing cutting-edge tools like Empower and Encompass for optimizing loan processes. Distinctively recognized with a high-level signing authority and as a CIG underwriter, signifying mastery in sanctioning and analyzing diverse mortgage applications.

Areas of Expertise

Mortgage Underwriting

Property Assessment

Credit Analysis

Financial Analysis

Loan Approval

FNMA Guidelines

Risk Management

Regulatory Knowledge

Credit Policy Adherence

Professional Experience

CitiMortgage 2021 – 2022

Mortgage Underwriter (Home Equity)

Conducted methodical property assessments and probed into the financial robustness and creditworthiness of applicants, drawing insights from financial dossiers and credit appraisals. Proficiently navigated the Empower software, optimizing the mortgage application process. Governed mortgage loan underwriting tasks, taking cues from FNMA guidelines and DU determinations, weighing loan approvals or denials on defined parameters. Concurrently, advanced towards securing an independent underwriting approval authority, marking a pivotal juncture in mortgage underwriting evolution.

●Efficiently handled home equity loan underwriting, ensuring adherence to FNMA recommendations and DU findings, and confirming that loans met necessary approval standards.

●Displayed initiative by working towards obtaining underwriting signing authority, signaling a dedication to professional growth within the company.

●Adapted during a period of company restructuring and layoffs, showcasing resilience and flexibility in a changing work environment.

Goldwater Bank N.A.- Mortgage Division 2020 – 2021

Senior Mortgage Underwriter

Evaluated properties' value, condition, and financing suitability. Reviewed applicants' financial profiles to determine repayment capacities. Analyzed creditworthiness using credit history, debts, and scores. Approved loans up to $1.5 million while adhering to company and secondary market standards. Leveraged Encompass software for efficient loan application management. Ensured underwriting conformed to FNMA, FHLMC, DU, and LPA AUS guidelines.

●Managed loan approvals effectively, handling amounts up to $1.5 million, which highlights a deep familiarity with the company's lending guidelines.

●Acquired proficiency in Encompass, leveraging the software to streamline loan origination and processing tasks.

●Ensured consistent adherence to industry standards, diligently underwriting loans following FNMA and FHLMC guidelines.

US Bank 2019 – 2020

Mortgage Underwriter II

Assessed financing-worthy properties, weighing their value, condition, geographical placement, and market influences. Analyzed loan applicants' financial fortitude by scrutinizing income avenues, debt ratios, and overall fiscal robustness. Delved into credit reports, historical data, and scores to determine the credibility and lending risk of applicants.

●Held the authorization to greenlight loans up to $750,000, contingent upon adherence to the company's documentation protocols and alignment with secondary market benchmarks.

Bank of America 2009 – 2015

Senior Mortgage Underwriter

Analyzed challenging residential mortgage applications, focusing on property attributes, applicants' financial status, and credit reliability. Held decisive loan approval authority, stringently adhering to both organizational and secondary market benchmarks. Cultivated junior staff expertise, imparting underwriting wisdom. Championed as a CIG underwriter, adept at non-traditional loan assessments. Actively involved in auditing teams, striving to guarantee loan excellence and minimize organizational liabilities. Stepped in as the backup signer when primary underwriting authority was insufficient.

●Maintained Level 5 signing authority, signaling proficiency in sanctioning high-value mortgage loans due to in-depth expertise in mortgage underwriting.

●Secured the role of greenlighting loans up to $1.5 million, reflecting a deep trust and adeptness in upholding company and secondary market investor directives.

●Guided junior colleagues with pivotal training and mentorship, enhancing their expertise and fortifying the overall team's capabilities.

●Attained the status of a CIG underwriter, marking specialized prowess in analyzing non-conforming loans within the mortgage sector.

Additional Experience

Mortgage Underwriter, Bank of America

Mortgage Underwriter, CitiMortgage

Education

General Studies

St. Louis Community College

Psychology

Iowa State University

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