Salt Lake Mortgage Underwriter
Resume:
Lesley B. Hardman
Professional Summary
As an experienced senior mortgage underwriter, I am committed to reducing business risks and achieving profit targets by making strategic choices based on reliable standards. An extensive record of success in spotting unacceptable risks and stopping fraud. I possess an extensive knowledge of loan arrangement, closing, and credit analysis. With thirty years of experience, provides excellent time management and task prioritizing skills. I am VA certified for underwriting mortgage loans and am a licensed loan officer in the State of Utah. Work History
Security National Mortgage - Senior Mortgage Underwriter Salt Lake City, UT
06/2005 – 12/2011
07/2014 – 11/2023
● Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
● Approved or denied loans based on established criteria and underwriting guidelines.
● Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
● Reviewed appraisals and title documents to verify accuracy and completeness.
● Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
● Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
● Developed and maintained relationships with customers, lenders and other third parties.
● Established plans and payoffs for customers' loans, prioritizing control of overall costs.
● Verified integrity of applicants' information to minimize fraud. *************@*******.***
Draper, Utah 84020
Skills
● Customer Relationship Management
● Lead Generation
● Finance and Accounting Operations
● Strategic Planning
● Issue and Conflict Resolution
● Appraisal Reviews
● Non-Prime Markets
● Loan Evaluations
● Desktop Underwriter
● Loan Product Knowledge
● Complex Problem-Solving
● FHLMC Guidelines
Education
1986
Salt Lake Community College
Salt Lake City, UT
Associate of Science
1983
East High School
Salt Lake City, UT
High School Diploma
Utah Mortgage Corporation - Senior Mortgage Underwriter Salt Lake City, UT
12/2011 - 07/2014
Certifications
● CNP - Certified Notary Public
LH
● Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
● Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
● Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
● Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
● Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
● Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
● Licensed Mortgage Loan Originator,
State of Utah Department of Commerce
Division of Real Estate
● VA Sar Application Certificate
November 2020
Silver Mountain Mortgage - Senior Mortgage Loan Underwriter Salt Lake City, UT
11/2002 - 12/2011
● Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
● Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
● Approved or denied loans based on established criteria and underwriting guidelines.
● Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
I-Net Mortgage - Mortgage Loan Processor
Salt Lake City, UT
12/2000 - 11/2002
● Reviewed financial statements and contacted institutions and customers to clarify details.
● Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
● Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
● Analyzed borrower credit reports and income statements to verify accuracy.
● Coordinated closing process with attorneys, title companies, and government clerks.
Cache Mortgage Company - Mortgage Loan Processor
Salt Lake City, UT
10/1998 - 12/2000
● Communicated with clients, underwriters and loan officers to achieve prompt loan closings.
● Analyzed loan applications and credit reports to determine loan eligibility and risk level.
References
Linda Dahle
Underwriting Manager
Tina Brugger
Loan Officer
Tiffany Ngo
Loan Officer
Cheryl Gray
Underwriter
Audra Lauer
Processor
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