AVA M KNOX

Hartford, CT · 860-***-****

adsrix@r.postjobfree.com

EXPERIENCE

*/**** – 5/2022

SR. MORTGAGE UNDERWRITER, CARRINGTON MORTGAGE SERVICES Underwrote Conventional and FHA loans per investor guidelines using DU/LP. FHA loans manually underwritten as well. Maintained pipeline of up to 100 loans. Analyzed loan documents, (credit report, income, assets, tax returns, title, flood, HOI, appraisal, and fraud prevention tools), for completeness and accuracy in order to deliver sound credit decisions. Maintained knowledge of investor guidelines. Answered questions from brokers and restructured loans when possible.

2/2015 – 7/2017

HOME EQUITY UNDERWRITER, BANK OF AMERICA

Reviewed loans, that were submitted for final approval by the Home Service Specialists, for completeness. Reviewed title, HOI and appraisals for conformity to lender guidelines. Worked with HSS and/or customers for any additional or missing documentation for loan decision. Mentored HSS when required.

7/2014 – 2/2015

JR. UNDERWRITER, UNITED BANK

Reviewed mortgage loans from Loan Officers for completeness and pre-underwrote the loans for submission to underwriter. Processed Conventional, FHA and CHFA mortgages. Reviewed title, HOI and purchase and sales contracts for accuracy and conformity as received. Maintained pipeline of up to 50 loans. Worked together with borrowers to gather any outstanding conditions.

11/2011 – 2/2014

MORTGAGE UNDERWRITER, ISGN

Underwrote Conventional mortgages per investor guidelines using DU/LP, analyzed loan documents for accuracy and completeness and reviewed conditions within SLA. Maintained pipeline of up to 50 loans. Assisted processors in understanding questions on conditions. Kept well-informed of investor guidelines and mentored Jr. Underwriters. 2

EDUCATION

12/1999

SOME COURSEWORK COMPLETED, CENTRAL CT STATE UNIVERSITY Worked on coursework towards a B.S. in Finance. GPA 3.4 5/1996

A.A. LIBERAL ARTS, CAPITAL COMMUNITY COLLEGE

Graduated with honors with a GPA of 3.8. Coursework towards a B.S. in Finance. 12/1993

A.S. ACCOUNTING, KAPIOLANI COMMUNTY COLLEGE

GPA 3.5

SKILLS

Encompass LOS System

MS Word

Team player

Independent worker

Multi-tasker

Strong analytical skills

Detail oriented

Excellent at prioritizing work load

Outstanding communication skills

Tax return analysis

CERTIFICATES

HUD Direct Endorsed Underwriter, 2017

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