Mortgage Loan Underwriter

Patricia Linzmier

*** ***** ****** ****, *********, NC 27282

210-***-**** *********@*****.***

Ambitious and goal orientated team player seeks new position that will challenge existing skills and experience, as well as learn and ad new industry knowledge and skills, while working towards career goals.

PROFESSIONAL EXPERIENCE

FREEDOM MORTGAGE JANUARY 2021 – MAY 2022

GOVERNMENT MORTGAGE LOAN UNDERWRITER

Review asset documents and employment details; calculate assets and income.

Review credit report and validate liabilities and creditworthiness.

Review the sales contract, mortgage insurance, appraisals and perform compliance checks.

Notate required credit and/or closing conditions and subsequently review and sign off on them.

When the documents/information are received/reviewed, issue a final approval, ‘Clear to Close’ or adverse action on a loan.

WELLS FARGO MAY 2020 – OCTOBER 2020

MORTGAGE LOAN UNDERWRITER

Analyzed, reviewed and decisioned moderate to complete residential loan requests within company, industry and secondary market and modifications guidelines.

Ensured documents were consistent and upheld to company and industry guidelines; implementing fraud detection techniques, performed compliance reviews, and renegotiated loans based on lending guidelines.

Prioritized high-volume workload to ensure monthly production goals on loan portfolio.

Communicated with borrowers and partners to gather information to make property loan decisions and explain rationale behind credit decisions. USAA JANUARY 2013 – APRIL 2020

MORTGAGE LOAN UNDERWRITER 01/2013 - 11/2018

Underwrote VA and Conventional loans to specified investor requirements to ensure company standards are met for sale into the secondary market (1st mortgage loans, Interest Rate Reduction Loans (IRRLS) and cash out re-finances).

Utilized lending and exception authority of all aspects of mortgage underwriting and portfolio guidelines to decision moderately complex to complex loans.

Examined loan documentation to ensure accuracy and completeness analyze credit reports and appraisals as well as evaluate income based on analysis of W2’s, paystubs, various military pay

(LES), personal and business tax returns for ability of repayment of loan.

Implemented fraud detection techniques performed compliance reviews; trained new employees/underwriters.

Communicated needed conditions/stipulations and aid where possible to expediate final approval of a loan.

MEMBER SOLUTIONS SPECIALIST 11/2018 - 4/2020

Underwrite new and adjust established homeowner, renters, personal auto and umbrella policies.

Gather information and underwrite members request to close on product sales of USAA products and services within established guidelines and limits of authority.

Empathize with members and provide complex and/or integrated solutions to make it easy to acquire USAA products.

Accountable to maintaining compliance with policies, procedures, and regulations in addition to ensuring property risk when analyzing and pricing of products and services. PROFESSIONAL LICENSING

JANUARY 2021 – ACTIVE #KJ19 FHA DIRECT ENDORSEMENT

JUNE 2004 – ACTIVE #8204915 TEXAS PROPERTY & CASUALTY GENERAL LINES LICENSE

MAY 2020 - INACTIVE SAFE LICENSE (NMLS) #1990907 SKILLS/STRENGTHS

Ability to think logically to analyze situations and make sound decisions in a stressful environment

Ability to handle multiple tasks simultaneously using organizational skills

Ability to effectively interact and negotiate with all levels of transactions from member to senior management

Demonstrate teamwork and collaboration in a professional setting

Flexibility in decision-making and strong problem-solving skills.

Ability to work under minimal supervision

Ability to handle large pipeline with accuracy

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