Gina Navarra

**** *. ********* **. #****, Phoenix, AZ 85037

623-***-**** (c) adtdc8@r.postjobfree.com

QUALIFICATIONS SUMMARY

Performance-driven, insightful Consumer Lending Professional with a proven ability to achieve and exceed all revenue and business-development goals in high pressure environments.

Hands-on experience in mortgage, credit card, brokerage house operations

Energetic leader of client relations and professional associate development with solid background in personnel related issues, including payroll distribution.

Demonstrated ability to work effectively with all levels of employees and clients.

PROFESSIONAL EXPERIENCE

Stearns Lending 8/21- Present

Sr. Underwriter

Review credit applications regarding credit worthiness of borrowers while working closely with retail operations staff primarily for new build communities. Responsible for managing and monitoring daily workflow of conventional and FHA purchase files while maintaining strict adherence to company and investor guidelines. Accountable for thorough knowledge of industry regulations and requirements while maintaining quality and efficiency on each loan application.

PennyMac Loan Services 8/20-8/21

Underwriter 3

Review for Conventional and FHA mortgage refinance and purchase loans to meet all applicable investor guidelines through a complete knowledge of requirements and regulations. Held accountable for quality and accuracy of all mortgage applications and documentation for completeness. Work with internal and external clients to prepare mortgage applications and related documentation as needed and help resolve any outstanding issues. Work with compliance officers to ensure Federal, State, and local compliance of all mortgage and loan materials. Approve or deny mortgages on a timely basis. Ensure the quality and accuracy of each loan and perform other related duties as required and assigned.

Eagle Home Mortgage 8/19- 8/20

Senior Mortgage Loan Processor

Perform a thorough evaluation of FHA, VA and Conventional mortgage applications (financial documents, assets, credit etc.) Gather all important data from client (assets, debts etc.) Examine submitted documentation received for accuracy to ensure each transaction is compliant within the various programs. Work with vendors, internal and external partners to obtain any additional documentation as required by either program requirements or internal processes. Work to obtain all required documentation by close dates with zero tolerance for missed closings. Submit completed loan files for final approval. Facilitate closings with builder. Act as point of contact between loan officers, underwriters, clients and all levels of Senior management for reporting purposes.

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Gina Navarra

Wells Fargo Home Mortgage 10/09- 4/19

Continued record of achievement with Non-Conforming, Conforming, FHA, Conventional, VA, USDA, Bond and Renovation Loans

Consumer Loan Underwriter II

Home Equity underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.

Comprehensive knowledge of underwriting guidelines and restrictions for non-conforming, conventional and government-insured loan programs. Work collaboratively with team members, vendors and borrowers to drive deals to successful funding and close

Mortgage Loan Specialist 4

Performed the pre-underwriting review of a loan with focus on current loan guidelines and compliance regulations, reviewed clients’ credit/debt ratio and worthiness, ordered and scheduled appraisals, flood certifications (when necessary), verifications, submitted completed files for approval, cleared all underwriting conditions, reviewed preliminary closing disclosures, performed proactive communication acting as liaison between borrowers and agents to ensure a timely, professional closing for all clientele. Software used most recently was LIS and CORE.

EDUCATION AND CREDENTIALS

Bachelor of Science in Applied Management

GRAND CANYON UNIVERSITY, PHOENIX, AZ

PROFESSIONAL LICENSES

NASD SERIES SIE, Life, health, property, casualty insurances

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