DIONNE P. WALKER

**** ***** ***** ***** ****** Georgia 30019 770-***-**** ad3zye@r.postjobfree.com

Proven Residential Mortgage Underwriter, with over 15 years of experience processing Conventional, FHA, VA, USDA, Jumbos & Non-QM products. Regularly exceeded stipulated benchmarks and employee performance metrics. Demonstrated strong leadership, supervision, management and team building efforts, resulting in improved performance and output.

PROFESSIONAL EXPERIENCES

Senior Underwriter (Remote Non-QM) 2/2023 – Present

Jaguar Property Group

Underwrite all loans to ensure compliance with investor guidelines, overlays, secondary market guidelines and make alternative recommendations as applicable.

Underwrite Jumbo loans based on investor guidelines and lender overlays up to $3,000,000.

Specify investor and institution guidelines as a basis for approving and declining applications.

Performed second level reviews and approve loans more than Underwriters Authorized limits.

Reviewed and analyzed all pertinent information such as tax returns, bank statements, income documentation and assets to properly determine income to qualify the borrowers for mortgage loans—to detect fraud and to ensure that loans meet secondary market, investors and company standards.

Monitored the active and suspended pipeline to ensure decisions are made within department guidelines. Ensure quality control/audit responses are completed timely.

Reviewed and evaluated information on loan documentation to ensure that buyer, property, and loan condition meet company overlays and guidelines, review loan to value ratios, credit report, applications, appraisals as well as income documentation to ensure that each loan meets secondary market, investors, and company standards.

Sr. Remote Team Lead (FHA, Conv, Jumbo & Non-QM) 2/2021 – 2/2023

First Guaranty Mortgage

Approve, decline, suspend or counteroffer--Conventional and Government loans with signing authority up to $5,000,000 dollars.

Specify investor and institution guidelines as a basis for approving and declining applications.

Review and evaluate information on loan documentation to ensure that buyer, property, and loan conditions meet company overlays and guidelines, review loan to value ratios, credit report, applications, appraisals as well as income documentation to ensure that each loan meets secondary market, investors, and company standards.

Monitor credit quality of existing loan portfolios, which requires strong underwriting abilities, on understanding of complex financials from multiple or interconnected entities, and knowledge of various programs which manage and prioritize workflow.

Underwrite Conventional and Government files based on DU and LP loans using automated findings, based on investor’s guidelines and procedures; clear conditions in a timely manner ensuring loan documents are accurate and legitimate.

Managing Underwriter, (FHA, Conv., non-QM and Jumbo) 9/2019 – 1/2022

Century Mortgage

Conduct performance appraisals for junior & senior underwriters.

Underwrite Non-QM and jumbo loans based on company guidelines, matrixes, and company over lays. Approved, counter offered, suspended, or declined residential home loans based on investor guidelines.

Data verify loan files submitted for approval, pricing, and loan rejections.

Great knowledge with 12- and 24-months bank statement programs, 12 and 24 months, Asset Utilization, Profit and Loss as well as DSCR Non-QM programs.

Review loan applications for completeness and ensure interest rate, terms and amount are correct in all applicable systems within turn times.

Monitor the active and suspended pipeline to ensure decisions are made within department guidelines. Ensure quality control/audit responses are completed timely.

Review and evaluated information on loan documentation to ensure if buyer, property, and loan condition meet company overlays and guidelines, review loan to value ratios, credit report, applications, appraisals as well as income documentation to ensure that each loan meets secondary market, investors, and company standards.

Determine whether loan documents are in or out of compliance with standards, determine terms and acceptability of risk or prospective risk on prospective loans negotiate counter offers with loan officers and processors.

Sr. Remote Underwriter, (Conv., Jumbo, Specialty Prod.) 9/2018 – 7/2019

Prime Mortgage

Review loan applications for completeness and ensure interest rate, terms and amount are correct in all applicable systems within turn times.

Primary point of contact as subject matter expert (SME) assisting sales force and business partners in structuring eligible loans in conjunction with the Company’s third-party originators.

Interpret and provide appropriate loan solutions for Non-QM/Non-Agency loan requests that could not meet Conventional, FHA or VA guidelines.

Analyze borrower’s credit file, collateral, and capacity to ensure creditworthiness and ability to repay the loan was met.

Perform manual underwriting review to ensure loan meets all product and property guidelines of Company and investors, as well as compliance with corporate and secondary market investor standards.

Underwrite Non-Agency/Non-QM correspondent, wholesale/broker, and retail loans in a timely manner to ensure loan meets all product and property guidelines of Company and investors, as well as meeting all established loan policies, credit limits and regulatory requirements.

Clear conditions timely on loans; affirm data integrity on all submissions. Identify potential misrepresentation or fraud.

Keep up to date with all guideline’s changes, matrix updates and investor overlays based on the product.

ADDITIONAL EXPERIENCES

Sr QA Mortgage Underwriter/Paperless Files 07/2014 – 01/2018

Clayton / Radian

Sr. Contract Conventional and FHA Mortgage Underwriter 06/2010 – 07/2014

Contemporary Services/SEG

Underwritingng Manager / Correspondent Conventional and FHA Underwriter 05/2005 – 06/2010

South Star Mortgage

Conventional Contract Mortgage Underwriter 10/2001 – 09/2005

RMIC

EDUCATION

MBA in Business Administration

Argosy University

BA in Business Administration

Argosy University

AA in Management & Marketing

York College New York

FHA DE CERTIFIED

SAR CERTIFIED

Underwriting Conventional Government Sub Prime Alt A products Jumbo products

DU, LP, Encompass, Bytes, Lending QB, Clouts, Emits, LPS, LSI, EDE, Asset-wise, Calyx, Mortgage Ware, Cadence and Avista, Manual Underwriting, VA and FHA Products.

Contact this candidate