Sr Mortgage loan Underwriter
Resume:
TM
Tamara McDermitt
Senior Mortgage Loan Underwriter
Professional Summary
Over 30 years of experience in lending. Dedicated Mortgage Underwriter professional with a history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Seeking to maintain a full-time position that offers professional challenges while utilizing interpersonal skills,
Work History
Keller Mortgage - Senior Mortgage Loan Underwriter Dublin, OH
09/2019 - 05/2022
Underwrite Conventional conforming loans, FHA mortgage loans through paperless Encompass system
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Ensures compliance with company policies and procedures while adhering to investor guidelines
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● Utilizes FNMA/DU and FHLMC underwriting systems
Analyze credit worthiness of borrowers to ensure guidelines are met to complete loan decision set forth by management
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● Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
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Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
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Maintained mortgage program compliance with federal agencies such as HUD and FNMA.
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Worked with processing team members to communicate errors and obtain missing information for current applications.
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Trained junior team members in underwriting procedures and loan quality grading standards.
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● Monitored pipelines to track and log status of loans. Assessed aging accounts and initiated collection strategies based on conditions.
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**************@*****.***
Worthington, OH 43085
Skills
● Productivity Standards
● Mortgage Lending Requirements
● Government Lending
● Underwriting Regulations
● Analytical and Critical Thinking
Education
06/1985
Mifflin High School
Columbus, Ohio
Diploma: General Studies
T2 Financial/Revolution Mortage - Senior Mortgage Loan Underwriter Westerville, OH
09/2018 - 09/2019
Keller Mortgage - Senion Mortgage Loan Underwriter Dublin, OH
11/2016 - 09/2018
Peoples Home Lending - Senior Mortgage Underwriter Columbus, OH
11/2012 - 09/2016
Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
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Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
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● Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
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Worked with Loan Originators and processing team members to communicate errors and obtain missing information for current applications.
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Maintained mortgage program compliance with federal agencies such as HUD and FNMA.
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● Worked on all post close for FHA insuring per HUD requirements Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
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Met 24-48-hour timelines consistently, turning around applications quickly with firm approval or denial decisions
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Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
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● Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
●
Worked with processing team members to communicate errors and obtain missing information for current applications.
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Maintained mortgage program compliance with federal agencies such as HUD and FNMA.
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Checked personal and team calculations to validate information and underwriting decisions.
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Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
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Proved successful working within tight deadlines and fast-paced atmosphere
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● Collaborated with team members to achieve target results Underwriting conventional conforming, non-conforming loans through paperless Encompass system
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● Ensures compliance with company policies and procedures and Residential Finance Corporation - Underwriter II
Columbus, OH
06/2010 - 10/2012
secondary market investor guidelines utilizing FNMA/DU and FHLMC/LP underwriting systems
● Examining loan documentation for accuracy and completeness Analyzing creditworthiness r along with analyzing monthly housing expenses, total debt obligations, monthly income, assets, appraisal and title
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Determining creditworthiness o to ensure credit guidelines are met to render timely decisions
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Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
●
● Verified integrity of applicants' information to minimize fraud. Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
●
Worked with processing team members to communicate errors and obtain missing information for current applications.
●
Maintained mortgage program compliance with federal agencies such as HUD and FNMA.
●
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
●
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
●
Worked with processing team members to communicate errors and obtain missing information for current applications
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● Verified integrity of applicants' information to minimize fraud Underwrite and decision VA Cash out loans as assigned by management
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Complete resubmissions and final approvals submitted daily while providing support for underwriting staff as directed in both new and final approvals
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● Provide real time solutions to various underwriting related issues. Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
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Analyzed credit, income, compliance, title documents and appraisals during underwriting process
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Determined and documented loan conditions and communicated requirements and decisions
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