ANNA BOLDYREVA

Cell: 720-***-****

■ Professional Summary

Over 10 years of underwriting review and analysis experience. Improved Audit and Quality Control accuracy by 20%, which saved $1.5 million annually. Highly organized, proactive and results driven individual; able to effectively coordinate tasks to accomplish projects with timeliness and creativity. Naturally curious to any innovation or challenge and passionate to learn new things, processes and systems to gain new skills. Looking for the opportunity to do the best work of my life.

Outstanding dedication to customer service and well oriented in a customer-driven environment.

Strong analytical thinking and financial analysis experience

Strong organizational capabilities and ability to build long-lasting, professional relationships

Ability to work independently with outstanding verbal and written communication and problem-solving skills.

Strong multi-tasker with ability to prioritize and excel in a high-pressure environment with tight deadlines.

Advanced computer skills, knowledge of many software, online applications, spreadsheets and scorecards.

■ Experience

Reverse Underwriter / Remote

SRM South River Mortgage, Annapolis, MD 07/2022 – 11/2022

Reviewing and analyzing 2 New credit files daily according to HECM FHA & Reverse Investor Guidelines

Performing manual UW Loan Approvals adhering to Government, and Investor Guidelines

Determining and setting loan conditions, and communicating requirements and decisions to the team

Analyzing Collateral Valuation Reports according to FHA policies, procedures and Appraisal practices DE, SAR & Reverse Underwriter / Remote

AAG American Advisors Group, Irvine, CA 06/2021 – 05/2022

Reviewing and analyzing 2+ New credit files daily according to FHA, VA, FNMA and FHLMC Guidelines

Performing Loan Approvals reading DU, LP and manual UW adhering to Agencies, Government, and various investor guidelines

Determining and setting loan conditions, and communicating requirements and decisions to the team

Analyzing Collateral Valuation Reports according to Conforming, FHA and VA policies, procedures and Appraisal practices

DE and SAR Underwriter / Remote

VIP Mortgage Inc, Scottsdale. AZ 08/2020 – 06/2021

Reviewed and analyzed 2+ New credit files daily according to FHA, FNMA and FHLMC Guidelines

Performed Loan Approvals reading DU, LP and manual UW adhering to Agencies, Government, and various investor guidelines

Determined and set loan conditions, and communicated requirements and decisions to the team

Analyzed Collateral Valuation Reports according to Conforming, FHA and VA policies, procedures and Appraisal practices

DE and SAR Underwriter

Universal Lending Corporation, Denver, CO 06/2016 – 05/2020

Reviewed and analyzed 2+ New credit files daily according to FHA, FNMA and FHLMC Guidelines

Performed Loan Approvals reading DU & LP adhering to Agencies and various investor guidelines

Analyzed Collateral Valuation Reports according to Conforming, FHA and VA policies, procedures and Appraisal practices

Underwriting Specialist / Remote

American Mortgage Consultants, Inc., Denver, CO 11/2015 – 05/2016

Reviewed and analyzed 5+ credit files daily according to FNMA and FHLMC Guidelines

Performed Loan Approvals reading DU and LP and adhering to multiple investor guidelines

Determined and documented loan conditions and decisions

Maintained up-to-date knowledge of all underwriting guidelines with QC rate at 98.7% Underwriting Analyst

Stewart Lender Services, Denver, CO 11/2013 – 11/2015

Reviewed and analyzed 8+ loans daily according to Investors’ Guidelines

Performed Manual Underwriting Reviews for Jumbo loans

Analyzed applicant’s credit, financial statements, interpreted complex tax returns and income documents

Followed QM and ATR regulations and maintained Quality Control passing rate of greater than 9 Conventional Underwriter

Citywide Home Loans, Greenwood Village, CO 08/2011 – 11/2013

Processed and analyzed 3+ credit files daily according to FNMA and FHLMC Guidelines

Revealed mistakes, conditioned for insufficient documentation

Analyzed trailing documents upon receipt and cleared set conditions

Maintained quality control standards following ECOA, RESPA and TILA lending policies Sr Loan Processor / Jr Underwriter

American Financing Corporation, Denver, CO 05/2010 – 08/2011

Performed Loan Approvals reading DU and LP and adhering to FHA, Conforming, VA and multiple investor guidelines

Interpreted and analyzed complex tax returns and financial statements

Analyzed loan applicants' credit histories to assess individual's creditworthiness

Completed a quota of files set by management and maintained an error rate of less than 3% Mortgage Loan Processor

Pulte Mortgage Corporation, Englewood, CO 09/2009 – 04/2010

Performed Loan Approvals through verifications processes adhering to Pulte Homes guidelines

Interpreted and analyzed complex tax returns and financial documents

Analyzed loan applicants' credit histories to assess an individual's creditworthiness

Maintained Quality Control standards while maintaining production standards by company’s definition Account Executive

Watermark Title Insurance Company, Denver, CO 09/2005 – 05/2009

Conducted extensive research and analyzed Clients’ needs and efficiency goals to grow company revenue

Cultivated strong and long-term relationships with existing Clients, and scouted and negotiated for new potential customers

Actively and consistently supported all efforts to simplify and enhance the customer experience

Effectively managed all escrow accounts and disbursements timelines

Monitored and tracked all funding documentation to ensure quality

Performed a complete review and audit of the loan file including both legal and financial documentation Quality Control Analyst/ Funder

Southwest Title Insurance Company, Wheatridge, CO 10/2003 – 08/2005

Responsible for accounting and bookkeeping duties

Prepared all closing documentation

Directed all disbursements

Sustained Quality Control criteria with 100% precision

■ Education

Southwest Missouri State University August 2002 – June 2003 Master of Communications, Management

PSLU (Kabardino-Balkaria) September 1997 – June 2002 Bachelor of Marketing and Management

Bachelor of Linguistics and Public Relations

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