Sr, Mortgage Underwriter
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Cynthia (Cindy) Anderson
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Anchorage, AK
CA
Work Experience
Cynthia (Cindy) Anderson
Anchorage, AK
**********@*******.***
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Competent and results driven mortgage professional with over 20 years of experience. Dedicated and dependable Senior Mortgage Underwriter with over 20 years in the mortgage banking industry. Direct Endorsement (DE) CHUMS ID and Veteran Affairs Staff Appraisal Reviewer (SAR) credentials active and held for over 20 years. Strong record of achievement in providing accurate mortgage industry credit risk assessments for Conventional loans with a broad knowledge of government loans and specialty in VAand FHA products.
Authorized to work in the US for any employer
Relocation Coordinator
New Hampshire to Alaska Relo
October 2018 to Present
Coordinated between agents and agencies for relocation. Sr. Mortgage Underwriter
Guaranteed Rate (Remote) - Moultonborough, NH
May 2018 to August 2018
Responsible for underwriting and rendering and communicating loan credit decisions after careful review of credit history, employment/income as well as continuance. Evaluate assets and source(s). Senior Underwriter
Veteran's United (Remote) - Lenexa, KS
November 2016 to December 2017
Underwrite residential mortgage loans in accordance with VA LAPP and agency guidelines ensuring compliance with company overlays and investor standards. Work closely with brokers, loan originators, processors to answer loan specific underwriting questions.
Consistently meet or exceeds established minimum productivity levels as determined by management for both underwriting and condition management while maintaining high level of quality.
Evaluate data to ascertain loan viability and identify risk and potential fraud issues. Senior Underwriter
Pacific Union Financial (Remote) - Fairfax, VA
November 2015 to November 2016
Underwrite residential mortgage loans in accordance with VA LAPP, FHA DE and agency guidelines ensuring compliance with company overlays and investor standards. Work closely with brokers, loan originators, processors to answer loan specific underwriting questions.
Consistently meet or exceeds established minimum productivity levels as determined by management for both underwriting and condition management with high level of quality Senior Underwriter
Finance of America (Remote) - Chino Hills, CA
January 2015 to November 2015
Underwrite residential mortgage loans, FHA, VA, Conventional, State Bond programs Submit loans through automated underwriting systems of Desk Top Underwriter and Loan Prospector
Evaluate data to ascertain loan viability and identify risk and potential fraud issues Communicate decisions with brokers, sales and staff to provide good customer service Uphold fair lending practices, meet targets for productivity while maintaining high level of quality
Senior Underwriter
American Financial Resources (Remote) - Parsippany, NJ March 2013 to November 2014
Credit decisions made on residential mortgage loans in accordance with VA LAPP, FHA DE, agency and investor guidelines
Analyzed individual's credit worthiness, including analyzing complex income documentation
Worked with loan originator, brokers and internal staff to secure all required documents while providing excellent customer service
Senior Underwriter
Education
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Certifications and Licenses
Additional Information
Alaska USA Federal Credit Union - Anchorage, AK
June 2008 to March 2013
Underwrote residential mortgage loans VA, FHA, USDA, HUD 184 and State bond programs
Evaluated complex tax returns
Communicated all decisions with all appropriate parties Mentored/trained new underwriters
Maintained large pipeline with timeliness and accuracy Other experience is continuous and extends back to 1984 in underwriting and would be available upon request
Coleman College of Business
San Diego, CA
1971
Competent LOS, LP, DU, GUS user as well as various investor and agency required site applications. (10+ years)
VA SAR and LAPP
1996 to Present
FHA DE
1995 to Present
Certified Escrow Officer
PROFESSIONAL EXPERTISE
Ability to establish and maintain rapport with multiple levels of internal and external customers. Adapt to change readily. Ability to problem solve with strong analytical skills. Self-motivated with ability to accomplish tasks within set time frames. Resourceful in completing multi-task projects. Conducting training/coaching. Knowledge of banking regulations and government lending regulations. Opening communication channels between underwriting, processing, and origination.
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