Mortgage Underwriter Real Estate
Resume:
SHELLEY A. TYLER
**** ******* ***** ***** - ******* Mill, Maryland 21244
ad7luw@r.postjobfree.com
OBJECTIVE
Successful, energetic, efficient professional with extensive experience and knowledge of mortgage underwriting seeks opportunity to join a company where hard work and good attitude are recognized and rewarded. Possesses excellent interpersonal, analytical and organizational skills. Demonstrates a strong desire to learn quickly, work diligently, and contribute positively to team goals with punctuality and reliability.
PROFESSIONAL EXPERIENCE
ComputerShare/Newrez LLC (Business Acquisition 5/1/24) Denver, CO/Fort Washington, PA.
100% Remote Mortgage Underwriter III April 2020 – present
Responsible for case load of 40-60 mortgages per month
Review credit reports, credit patterns, liabilities, judgements and collections to determine worthiness
Partner daily with Processors, Originators and Private Mortgage Brokers on loan level solutions
Calculate loan to value and debt to income ratios
Calculate income from hourly, salaried, commissioned, self-employed, investment and fixed income sources
Analyze statements for all types of assets. (checking, savings, 401K.)
Perform intricate review of loan documents corporate and personal tax returns, profit and loss balance sheet, property, title appraisals, power of attorney, trust documents, real estate contracts.
Review collateral appraisals for SFH, Investment properties, Condos, PUD and Multi-unit properties
Reconcile findings with published agency and investor guidelines
Ability to prioritize workload while meeting deadlines and department performance standards
Ability to work in fast paced environment independently as well as team player
Strong communication, presentation, interpersonal and organizational skills
Ourisman Automotive Group Laurel, MD
Sales Consultant April 2019 – April 2020
Responsible for minimum of 10 sales each month, which was always exceeded
Assisted with training new employees
Maintain strong knowledge base of all new vehicle makes and models
Interact and consult with customers to guide them through their vehicle purchase
Create the best vehicle-buying experience to make lifelong customers
Test drive vehicles to demonstrate automotive features
Establish personal goals consistent with dealership standards of productivity and devise a strategy to meet those goals
Complete quotes, return email/voicemail, other...Maintain strong knowledge base of all new vehicle makes and models
Responsible for new business prospecting
Ability to work in fast paced environment independently as well as team player
Strong communication, presentation, interpersonal and organizational skills
Homeside Financial Columbia, MD
Mortgage Underwriter III Apr 2018 – Aug 2018
Responsible for preparing detailed and critical analysis of the loan packages for FHA and Conventional loans.
Exceed company expectations by managing case load of 30 to 35 mortgages each month following FHA, Agency and Investor Guidelines.
Maintained 24 hour turn time for new underwrites and 48-hour turn time for conditions
Maintained excellent relationships with LOs, processing, closing, post-closing and secondary marketing,
Review highly sensitive credit, income and asset documents to determine applicant’s capacity to repay.
Review Appraisals, Insurance documents, Title commitments, sales contracts, Tax bills, Subordination agreements, Surveys, Termite reports, Powers of Attorney and Trust documents.
Decisioned approvals, suspensions, counter offers and denials
SunTrust Mortgage Columbia, MD
Mortgage Underwriter III Oct 2016 – Nov 2017
Responsible for preparing detailed and critical analysis of Conventional loan packages for builder division.
Exceed company expectations by managing case load of 40 to 45 mortgages each month following Agency and Investor Guidelines.
Maintained 24 hour turn time for new underwrites and 48-hour turn time for conditions
Maintained excellent inter and intra-office relationships with Collateral Underwriters, processing, closing, post-closing, secondary marketing, Loan Officers, sales managers and processing managers.
Submitted loans to MI companies for underwriting when necessary
Decisioned approvals, suspensions, counter offers and denials
Maintained monthly status on all mortgages
Southern Trust Mortgage Ellicott City, MD
DE/SAR Underwriter Sept 2014 – Sep 2016
Responsible for underwriting and approving VA, FHA and Conventional mortgage loans for purchase and refinance.
Review debt, income and asset documents to determine applicant’s capacity to repay.
Review of all documents; determine if borrower meets company/investor guidelines and federal/state rules and regulations.
Knowledge of FHLB, North Carolina Housing, DC Housing, Maryland Mortgage Program and various other down payment assistance programs.
Maintained case load of 45 – 50 mortgages monthly, while adhering to 24-hour new loan turn time and 48-hour conditions turn time
Howard Bank Timonium, MD
DE/SAR Underwriter Feb 2014 – Sept 2014
Review FHA, VA and Conventional mortgage loans for purchase and refinance.
Review appraisal to confirm property value;
Review credit, income and asset documents to determine applicant’s capacity to repay.
Determine if borrower meets company/investor guidelines and federal/state rules and regulations.
Knowledge of FHLB, North Carolina Housing, DC Housing, Maryland Mortgage Program and various other down payment assistance programs.
Maintained pipeline of 45 – 50 loans monthly, while adhering to 24-hour new loan turn time and 48-hour conditions turn time
1st Mariner Bank Baltimore, MD
DE/SAR Underwriter Jan 2013 – Aug 2013
Underwrite Conventional, FHA and VA guaranteed loans for purchase and refinance transactions.
Review appraisal to confirm property value.
Analyze debts and credit history to determine applicant’s capacity to repay.
Provide technical review of all documents; determine if borrower meets company/investor guidelines and federal/state rules and regulations.
SOFTWARE & ADDITONAL KNOWLEDGE
Empower, Encompass, Calyx Point, MS Windows 2016, Word, PowerPoint, Excel, DU, LP, Loansafe, FHA Connection, Appraisal Logging, Compliance Ease, Collateral Underwriter, Corelogic, ALL-REGs, Fraud Guard, FNMA Early check; DE Approved and LAPP Certified; NMLS Licensed in the state of MD.
EDUCATION
Towson University, Towson, MD B.S. Degree: Mass Communications
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