Mortgage Underwriter Ii

Maria Nenish

Taylor, PA ***** 570-***-**** ********@*******.*** linkedin.com/in/maria-nenish-baaa40295

MORTGAGE UNDERWRITER II DE UNDERWRITER

Dynamic mortgage underwriter with proven success utilizing knowledge of underwriting and operations to continue to advance career in the Mortgage Banking Industry while continuing to expand areas of underwriting to jumbo and VA underwriting and obtain LAPP.

AREAS OF EXPERTISE

FHA DE Underwriter Fannie/Freddie Underwriter USDA Underwriter PA Bond Underwriter DU/LP experienced Encompass/Loan Hub/AIQ Manually Underwritten Loans MI Delegated Approvals

EXPERIENCE

Guild Mortgage Company, Wilkes Barre, PA 10/2021 - 10/2023

Underwriter II

Analyzed and decisioned loan files base on review on income, credit, assets, sales agreements, and collateral/appraisals.

Determined that loans met all company and investor guidelines prior to issuing approval.

Prioritized workflow, communicated with Loan Officers and Processors regarding loan approvals and outstanding conditions.

Discussed loan scenarios and guided transactions based on industry and investor guidelines which allowed more borrowers to qualify for home ownership

RMS -Residential Mortgage Services, Wilkes Barre, PA 04/2014 - 10/2021

(RMS was acquired by Guild Mortgage Company)

Underwriter II

Underwrote and decisioned Loan Applications for Conventional, FHA, USDA, PHFA and Manually Underwritten Loan.

Reviewed and analyzed credit and collateral documentation to verify these items have meet the loan approval conditions which allowed file to be sent on to closing.

Communicated with other operations staff and sales staff regarding outstanding conditions, restructuring of loans and basic guideline requirements.

Submitted files to outside investors for approvals, i.e. USDA, PA Bond, MI Insurance.

Mortgage Network, Plains, PA 09/2008 - 03/2014

Underwriter I

Completed test cases and obtained FHA Chums ID.

Started underwriting Conventional and FHA Loans, began to obtain authorization to underwriter PA Bond Products and USDA Loans.

Prioritized workflow, communicated with Loan Officers and Processors regarding loan approvals and outstanding conditions which moved files quickly to closing

EDUCATION

High School Diploma

Tustin High School, Tustin, CA

Orange Coast College

Completed 1 year Business Management Courses

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