Sr Underwriter
Resume:
FHA DE
USDA
Conventional
Account management
Process management
Customer interaction
Strong analytical & judgement skills
Proficient in DU & LP
Knowledge of all FHA refinance types
First time homebuyer assisted
programs
CONTACT
• Managed assigned national pipeline.
• Trained, assisted and mentored junior level underwriters.
• Reviewed pricing exceptions on complex transactions.
• Analyzed employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each application as presented by the broker.
• Understands the procedural aspect of underwriting Agency Loans from application to delivery and can accurately detail this out to stakeholders within the deal team.
• Team closed over 300 deals per month during non-peak and up to 500 during peak times.
• Worked with loan teams in 12 states.
• Met all goals and requirements.
• Identified all risks associated with the transactions and provided mitigated recommendations to discuss with management.
• Responsible for all correspondent lending and communication with direct lender.
• Informed loan team of how to structure deals based on pre qualification data to ensure loan approval.
SENIOR UNDERWRITER Cross Country Mortgage, Formerly LendUS, Formerly American Eagle Mortgage.
January 2008– September 2022
M F
2750 Woodstone Dr. Grove City, Ohio, 43123
MELISSA
FLEMINGS
SENIOR UNDERWRITER
Over 30 years mortgage industry experience. My background is in high performing companies within large, aggressive markets. I have robust industry knowledge and have worked in several key areas within the housing lending market. First, as a processor, then a loan officer and finally senior underwriter. I support both internal staff and the external customer by providing excellence, quality and deep understanding of program rules and regulations. I have adapted to industry changes and been through several company acquisitions and mergers, while maintaining a high work output. **********@******.***
• Managed assigned pipeline.
• Trained, assisted and mentored junior level underwriters.
• Reviewed pricing exceptions on complex transactions.
• Analyzed employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each application as presented by the broker.
• Understands the procedural aspect of underwriting Agency Loans from application to delivery and can accurately detail this out to stakeholders within the deal team.
• Identified all risks associated with the transactions and provided mitigated recommendations to discuss with management.
• Team closed high volume deals.
• Worked with Ohio loan teams statewide.
• Met all goals and requirements.
PROCESSOR // UNDERWRITER National City Bank
December 2004 – December 2007
SKILLS
EXPERIENCE
PROFESSIONAL PROFILE
EXPERIENCE (Continued)
SKILLS
M F • Managed assigned pipeline.
• Trained and mentored processors.
• Worked with underwriters to structure deals and get loan approval.
• Verified employment profile, credit strength, property characteristics and all other information pertinent to the credit decision process on each application as presented by the broker.
• Resolved risks associated with customer packages.
• Team closed high volume deals.
• Built rapport and client base with local realtors.
• Worked with Ohio loan teams statewide.
• Met all goals and requirements.
PROCESSOR // LOAN OFFICER Colony Mortgage and Yerke Mortgage January 1994 – October 2004
Kimberly O’Day Ohio Health
Nurse Practitioner
**********@*****.***
614 - 332 - 3197
MELISSA FLEMINGS
SENIOR UNDERWRITER
TECHNICAL
Microsoft Office Suite
Windows & iOS platforms
Microsoft Teams
Encompass
PERSONAL
Organization
Analytical
Creativity
Leadership
Donna Wood Cross Country
Mortgage
SR. Underwriter
*******@************.***
614 -579 - 7173
REFERENCES
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