Senior Underwriter Branch Manager

DONNA MARIE SMERCAK

Queen Creek, AZ 480-***-**** *********@*.***

Professional Summary

Accomplished financial professional with extensive experience in mortgage underwriting, forward-thinking initiatives, and leadership. Effectively performing comprehensive validation review of credit, income, self-income analysis, assets, compliance, fraud lending policy, and program requirements. Exceeding expectations by successfully meeting deadline requirements in a fast-paced environment.

Skills

Loan Analysis & Underwriting

Forensic/Due Diligence Underwriting

Mortgage Processing

Appraisals Evaluation

Research & Analysis

Pipeline Management

5 years of Management Experience

Call Center Environment

Problem Solving & Decision Making

Customer Service & Relations

Interpersonal Communication & Negotiation

Organization & Time Management

Relationship Building & Cross-functional Collaboration

7 years of Sales Experience

Work History

Senior Underwriter, Federal Housing Administration (FHA) 12/2020 to 02/2022

Guarantee Rate

Effectively managed FHA bond programs while maintaining quality control and production standards defined by company.

Conducted thorough analysis of automated underwriting (AUS) findings, loan program parameters, occupancy, employment, income, assets, credit report, and documentation.

Communicated requirements and decisions on loan files with processor and loan officer.

Approved loan in accordance with appropriate guidelines and or countered offers if needed

Senior Underwriter (FHA)/Conventional 07/2020 to 11/2020

Primary Residential Mortgage

Evaluated complex underwriting mortgage loans, including conventional and FHA loan products, while ensuring compliance

Reviewed loan documentation to ensure accuracy, completeness, and compliance with internal, regulatory to render loan decisions.

Completed due diligence for proposed FHA-insured loans.

Successfully achieved a seven-day closing standard set by company.

Senior Underwriter, (FHA)/Conventional 10/2019 to 05/2020

Mr. Cooper

Identified, assessed, and documented transaction risks and elevated any issues outside of guidelines to management

Development and maintaining strong relations with originators, processors, closers and managers to ensure a timey closing.

Facilitated mentoring and coaching of underwriters’ processors and closers to establish and implement company credit policies and lending guidelines, as well as ensuring consistent underwriting process and procedures.

Senior Underwriter, (FHA)/Conventional 04/2019 to 10/2019

Keller Mortgage

Administered a pipeline of loans that need underwriting, including Conventional, FHA to ensure they close in a timely manner.

Analyzed loan files to ensure that information was compliant with lending guidelines and legal standards, including "red flags", suspicious activity standards, and ethical lending standards.

Coordinated all aspects of loans from assignment status to underwriter’s closing, to ensure all data points were consistent for a successful post-closing audit.

Assumed full accountability in loan decision.

Achieved high qualify rating on loans reviewed by qualify control.

Quality Control Underwriter 02/2017 to 12/2018

AmeriFirst Financial

Directed the fulfilment of investor's guidelines and requirements through thorough pre-fund audits and/or second-level review of loans for accuracy and completeness.

Performed self-employment analysis and appraisal review while analyzing credit applications for Conventional, FHA, VA, and USDA loans.

Reviewed all new quality requirements from investors, state, and federal regulators and collaborated with QC manager to determine implementation of changes required for current policies and procedures.

Conducted final audit to identify underwriting and valuation deficiencies that could negatively affect loan salability.

Identified deficiencies, calculated risk grades, and communicated deficiencies to Underwriting/Processing Team.

Senior Underwriter, (FHA)/Conventional-Wholesale Channel 11/2012 to 01/2017

Amtrust Bank

Facilitated the underwriting producers assigned within the territory, in compliance with company underwriting, authority, and pricing standards.

Assessed risk for increased risk transactions including non-arm's length, family sales, bank owned, and short sales.

Completed revenue analysis, which included income from trusts, royalties, annuities, and dividend and interest payments.

Contract Underwriter- various assignments

Contract Mortgage Underwriter—Senior Level IV

Technical Skills

Windows XP, NT, Vista, DU / LP / GUS / Total Score Card, & DOS Systems

Certifications

DE Certified Underwriter

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