Mortgage Underwriter Data Entry

SUSAN WHEATON

815-***-**** • ************@***.***

ACCOMPLISHED MORTGAGE UNDERWRITER

Senior Mortgage Underwriter • Team Lead • Mentor

Team Building • Process Improvement • Auditing

WORK EXPERIENCE

Guaranteed Rate, Chicago, IL July 2016 - May 2022

Regional Underwriting Support Manager-Remote

●Analyzed financial reporting and cash flow analysis documentation of loan applications.

●Ensured compliance with qualification guidelines and analyzing calculations for qualifying and administered decisions using Mortgage origination systems.

●Built and maintained professional relationships with Management, Loan Officer, and Processors.

●Approved large, complex files and products in a fast-paced, high-volume environment by evaluating risk layering within company and industry guidelines.

●Trained and supported Underwriters with daily production.

Headway Corp / Genworth Mortgage Insurance, Raleigh, NC June 2014 - June 2016

Contract Underwriter, Remote

●Conducted an in-depth review of mortgage loan submissions to evaluate and decide whether mortgage Insurance coverage is compliant with applicable rules and regulations.

●Calculated debt-to-income ratios from financial statements to determine eligibility for a loan.

●Reviewed loan documents for accuracy, completeness, and compliance.

●Analyzed credit, capacity, cash, and collateral to approve, deny or counteroffer a loan request.

PNC Bank, Chicago, IL August 2009- March 2012

Senior Underwriter,

●Underwrote conventional bond, USDA and FHA loans to agency and investor guidelines.

●Provided support to sales, processing and management.

●Determined the eligibility of salability of loan to investor and mortgage insurance and performed data entry and reconciliation to various AUS and underwriting systems.

●Managed a pipeline of my loans to meet strict Service level agreements.

Prior Experiences between 3/12 and 6/14: Bridgeview Bank Chicago, Senior Mortgage Underwriter/Reviewer; Alonhill, Loan Auditor, Carsons Retail store, Orland Park, Ill

EDUCATION

Terra Tech-Fremont, OH

Applied Business, Graphic Arts

TECHNOLOGIES & PROFESSIONAL DEVELOPMENT

Technologies: Encompass, Calyx, Microsoft Word, Teams, outlook and Excel

Professional Development: Underwriting the self-employed borrower in current environment; Appraisal review and analysis for 1-4 family properties; Leadership Classes

Reference upon request.

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