Bank Mortgage Underwriter
Resume:
SYLVIA T. WHEELER
Zebulon, NC 27597
**********@***.***
Summary:
Mortgage/Financial professional with over 25 years of experience. I am certified to review FHA, USDA, All States DPA, Non-QM and Conventional loans. I am also experienced in reviewing VA loans and Due Diligence review-to ensure loan were properly underwritten per investors requirements. I have a well- rounded skill set in financial assessments and honed talents in data verification and computing repayment schedules. My previous roles have strengthened my capabilities in problem-solving and decision-making, including a keen attention to detail and accuracy. EXPERIENCE:
Ameris Bank Mortgage
Fidelity Bank Mortgage 06/2016-03/2022
Remote
Underwriter
Job duties entailed underwriting conventional, FHA, VA (credit), USDA, and all States funded down payment assistance loans
Reviewed tax returns, paystubs, appraisals, credit reports and any additional documents that coincided for that loan.
Examined completed residential appraisals for quality, accuracy and compliance with investors.
Evaluated errors and discrepancies and determined appropriate actions to ensure sound lending decisions on appropriate value.
Calculated loan to value ratios, utilized market extraction to ascertain/verify appropriateness of adjustments, and derived gross rent multipliers
Determined loan applications met with company’s compliance guidelines George Mason Mortgage 07/2015-04/2016
Senior Underwriter
Lutherville, MD
Underwrote conventional, government, and state funded loans per guidelines of the investors.
Reviewed financial statements, tax returns, paystubs, credit reports and appraisals SunTrust Mortgage 05/2014-07/2015
Mortgage Underwriter 3
City, state
Underwrote commercial, conventional, state funded loans and government loans per guidelines.
In addition, I also underwrote P&C applications.
Reviewed financial statements, credit reports and appraisal reports to determine credit worthiness.
Wells Fargo Home Mortgage 06/2012-03/2014
Mortgage Underwriter
Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Reviewed both conventional and government loans.
SunTrust Mortgage
Mortgage Underwriter 3 04/2010-06/2012
Underwrote commercial, conventional, state funded loans and government mortgage loans per guidelines.
Functions also included reviewing financial statements, credit reports, and appraisal reports to determine credit worthiness.
Contract Underwriting (Freddie Mac/E-Trade)
Quality Control Underwriter /Due Diligence 06/2009-4/2010
Review closed loans for assessment to assist in the decision on whether to consider loans for either contract exceptions or acceptability or to pursue a repurchase from the lender that holds the reps and warrants. Files re-underwritten to ensure that guidelines were properly followed.
EDUCATION:
Fitchburg State College, English/Communications Major
Mount Ida College-Associate Degree in Liberal Arts
Direct Endorsement Certification (FHA)
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