Mortgage Underwriter Remote

TABATHA BROOKS

Red Oak, TX ***** 469-***-**** ***********@*****.*** linkedin.com/in/tabatha-brooks

MORTGAGE UNDERWRITER

Analytical and results-driven professional with extensive financial analysis experience. Exceptional background: in performing income, property, and credit analysis on loan files within an established time frame, and conducting timely reviews of initial decisions and resubmissions of existing loan files. Organized and possesses the ability to communicate proficiently to clients and team members. Strong time management, problem solving and multitasking skills. Core competencies include:

Lending and Underwriting Guidelines Credit and Income Analysis Cash-Flow Analysis Risk Assessment

MS Office Loan-to-Value Ratios Loan Closing and Documentation New Business Development

Account Management Skype Jumbo Loans Conventional Investor Reporting FNMA/Freddie Mac

Loan Modification Home Equity Non-QM Quality Assurance

EXPERIENCE

JPMorgan Chase, Irving, Tx October 2020- August 2022

Remote Mortgage Underwriter 4

Communicates with account executives, branch personnel and processors to obtain further information, present proposals, and explain company underwriting policies.

Completes extensive analyses of loan files to determine compliance with company, investor and overlay guidelines while underwriting a minimum of 4 new loans per day.

Evaluates credit package and collateral for residential mortgage loans to ensure 100% quality loan product.

Ability to underwrite loan amounts up to $1,750,000 except for government high balance loans.

Maintains company productivity level of 10 loans per day reviewed and complies with designated turnaround time for underwriting of files while closing at least 50-60 loans per month.

Plaza Home Mortgage, Irving, Tx May 2020- October 2020

Remote Wholesale Mortgage Underwriter

Established strong relationships with business partners (Sales force, Risk Management and Fulfillment teams). Communicated loan decisions to appropriate parties both verbally and in writing.

Managed assigned pipeline; Disposition loans approvals and conditions within 24-48 hours of receipt and closed 40-50 loans monthly with 100% quality.

Evaluated credit package and collateral for wholesale residential mortgage loans to ensure an investment quality loan product.

Ability to underwrite loan amounts up to $675,000 except for government high balance loans.

Sourcepoint / Franklin American, Irving, TX April 2019 - May 2020

Remote Wholesale Mortgage Underwriter

Communicates with account executives, branch personnel and processors to obtain further information, present proposals, and explain company underwriting policies.

Completes extensive analyses of loan files to determine compliance with company, investor and overlay guidelines while underwriting a minimum of 4 new loans per day.

Evaluates credit package and collateral for wholesale residential mortgage loans to ensure an investment quality loan product.

Ability to underwrite loan amounts up to $650,000 except for government high balance loans.

Maintains company productivity level of 8 loans reviewed per day and complies with designated turnaround time for underwriting of files.

TABATHA BROOKS ***********@*****.*** PAGE TWO

Ocwen / Homeward Residential, Addison, TX June 2016 - April 2019

Remote Retail Mortgage Underwriter

Maintained company productivity level and complies with designated turnaround time for underwriting of files.

Completed thorough analyses of loan files to determine compliance with company, investor and overlay guidelines.

Evaluated credit package and collateral for residential mortgage loans to ensure an investment quality loan product.

Underwrote loan amounts up to $650,000 except for government high balance loans.

Communicated with account executives, branch personnel and underwriters to obtain further information helping to increase compliance by 25%.

WELLS FARGO HOME MORTGAGE, Irving, TX 2013 – 2016

Mortgage Underwriter/Team Analyst

Analyzed customer ‘s financial situation and evaluated and ensured that overall documents were accurate, complete and compliant; reviewed of financial statements, credit reports, applicable ratios and other supporting documentation acceptability.

Streamlined financial processes and introduced process improvements that enhanced productivity.

Managed all aspects of planning, tracking, analysis, quarterly and annual reporting, and revenue recognition using sound business acumen.

Maintained lending and underwriting compliance and kept up to date with all guidelines and changes to guidelines.

Provided extensive on-the-job training and handled performance management with managers, which resulted in employees’ success as empowered and accountable team members.

CITIMORTGAGE, Irving, TX 2008 – 2013

Mortgage Underwriter

Performed credit and property analysis on conventional and government loan files submitted within the time frame established by departmental management included loan resubmissions when necessary.

Reviewed and continuously improved processes while reviewing 8-10 loans per day to increase efficiency when conducting underwriting audits to ensure loans were being underwritten to the company’s, Investor and quality control guidelines.

Finalized loans 40-50 loans for closing per month and issued final closing requirements to ensure stability.

Fostered strong relationships and conducted weekly underwriting meetings to update underwriters of any policy or credit changes.

Successfully received the Top Performer Award every month.

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