Mortgage Underwriter

Lauren Wright

**** ****** ******* **, ************, Florida 32246

adtw57@r.postjobfree.com

(C) 904-***-****

DE Certified Lending & Underwriting Guidelines for Jumbo, Conforming, FHA, VA, and Bond Mortgage Loans Credit, Income, and Asset Analysis Business Income Analysis Cash-Flow Analysis Risk Assessment Compliance Quality Control Relationship Management Work Experience

Supreme Lending Aug. 2020 – May 2022

Mortgage Underwriter and Team Lead

• Managed pipeline within SLA while maintaining an excellent quality score.

• Acting Team Lead in absence of Underwriting Manager with duties that included pulling and balancing pipelines for my team, delegating tasks, managing escalations, providing support to teammates and loan officers with regards to guideline interpretations, etc.

• Actively working towards certification to underwrite VA Loans (test cases were in progress/3 completed)

• Offered in-depth rationale for loan decisions and conditions when warranted.

• Maintained excellent business relationships and open communication with loan officers, processors, closers, and other departments involved in mortgage operations. Prosperity Home Mortgage March 2020 – Aug. 2020

Mortgage Underwriter

• Analyzed and conditioned AUS approved and manual underwritten jumbo and conforming mortgage loan applications.

• Analyzed personal and business tax returns for income qualification for home mortgage loans.

• Managed pipeline within SLA while maintaining an excellent quality score.

• Provided customer service to internal staff and mortgage loan officers by explaining credit decisions and offering alternative options for credit approvals.

• Comprehensive knowledge of underwriting guidelines and restrictions for both conforming and jumbo nonconforming mortgages.

Digital Risk Feb. 2018 – Feb. 2020

Mortgage Underwriter

• Worked on the Citibank contract as a Senior Underwriter.

• Managed pipeline within 48-hour SLA while maintaining an excellent quality score.

• Analyzed and conditioned AUS approved and manual underwritten jumbo and conforming mortgage loan applications.

• Comprehensive knowledge of underwriting guidelines and restrictions for both conforming and nonconforming mortgages.

• Analyzed and conditioned AUS approved and manual underwritten jumbo and conforming mortgage loan applications.

• Analyzed personal and business tax returns for income qualification for home mortgage loans.

• Communicated underwriting decisions to loan officers and processors. JP Morgan Chase June 2017 – Feb. 2018

Mortgage Underwriter

• Worked directly with Home Lending Advisors to review decisions and discuss alternative solutions for loan approvals.

• Analyzed and condition AUS approved and manual underwritten mortgage loan applications.

• Analyzed personal and business tax returns for income qualification for home mortgage loans.

• Completed detailed analysis of personal assets, income, and liabilities to secure an accurate decision to complete the loan process.

• Analyzed and condition AUS approved and manual underwritten jumbo and conforming mortgage loan applications.

Digital Risk Jan. 2015 – June 2017

Mortgage Underwriter

• Worked on the Bank of America contract as a Mortgage Underwriter.

• Comprehensive knowledge of underwriting guidelines and restrictions for both conforming and nonconforming mortgages.

• Analyzed and condition AUS approved and manual underwritten mortgage loan applications.

• Analyzed personal and business tax returns for income qualification for home mortgage loans.

• Completed detailed analysis of personal assets, income, and liabilities to secure an accurate decision to complete the loan process.

PHH Mortgage March 2012 – Feb. 2014

Mortgage Loan Processor

• PHH worked as a silent partner operating as a Merrill Lynch for their front-end mortgage operations. I processed mortgage loan applications for current and potential Merrill Lynch clients while upholding their standard of quality and customer service.

• Responsible for efficient and responsive service for all aspects of the client’s relationship, including ownership and follow up of clients’ needs from application to closing.

• Communicated conditions, loan decisions, and process timelines to borrowers, Financial Advisors, and Mortgage Loan Officers.

• Reviewed income, verified assets, and reviewed credit documents supplied by the borrowers to complete the credit package and prepare for submission to underwriting.

• Used Desktop Underwriting program to review, analyze, and translate results to mortgage applicants.

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