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Shari Wallick

aduhuc@r.postjobfree.com • 951-***-****

LinkedIn • Murrieta, CA

Senior Lead Underwriter

Highly analytical and detail-oriented professional with extensive experience in managing, monitoring, and analyzing new loan requests applications for top-tier organizations.

Proficient in assisting loan applicants, gathering financial information, informing applicants on loan terms, verifying credit scores and financial circumstances, analyze and review appraisals and ensuring compliance with lending compliance guidelines. Stellar record of underwriting and closing 80 to 100 existing loans per month. Instrumental in overseeing and ensuring the entire loan package adherence to agencies, such as FHA/VA Fannie-Mae, FHLMAC, USDA, JUMBO products, and NON-QM. Prudent in collaborating with senior management and cross-functional teams to mitigate operational redundancies and provide swift resolution for complex issues. Astute at cultivating robust relationships with staff, team, and upper management to achieve set organizational targets.

Areas of Expertise

Underwriting Applications

FHA Mortgage Program Loan

VA Mortgage Loan program

Reverse Mortgage Program

Bond Program Loans

Conflict Management

Down Payment Programs

Project Management

Debt Service Coverage Ratios

Risk Management

Cross-functional Collaboration

NON-QM Products

Career Experience

Lakeview Loan SVC, Churchill Mortgage, Secure One Capital Corp, Sprout Mortgage, Priority Financial Network 2018– 2022 Senior Lead Mortgage Underwriter

Delivered training to processor and sales staff for corporate office / all branches, while maintaining daily workflow of underwriting department. Underwrote four to eight loans per day from new submission to re-submission for FHA, VA, USDA, Conventional, Jumbo, High Balance and NON-QM products.

Reviewed and analyzed consumer loan applications of up to two million dollars in accordance with all agency’s policies and guidelines.

Succeeded in completing large project as tester for new Loan Operating System/preparatory system called NEXT GEN within time and budget scope limitations.

Obtained VA LAPP/SARR credential while providing training and coaching to two underwriters.

Provided training and coaching for two underwrite candidates aimed at achieving goal of receiving VA LAPP/SARR credential ID from Veteran administration office.

Acquired new loan product knowledge in compliance with standard policies and procedures. Home Mortgage Alliance, Santa Ana, Ca 2015 – 2018

Senior Lead Mortgage Underwriter

Oversaw day-to-day operational processes across corporate office and three other branches with keen focus on ensuring seamless workflow. Created and delivered training sessions for all staff regarding VA / FHA financing products to enhance overall efficacy. Verified and examined new loan applications’ information and accuracy to attain desired results.

Approved loans up to two million dollars while providing services as Underwriter.

Established and assisted lender VA automatic lending authority.

Obtained company VA lending authority by completing and submitting 25 test cases to VA Administration Office with Zero deficiencies.

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Boosted loan Volume and business with more profitability to achieved business objectives. Point Mortgage, Chula Vista, CA 2014 – 2015

Senior Lead Mortgage Underwriter

Directed talented staff, including six underwriters across Northern California Office with keen focus on attaining key milestones. Established underwriting policies and procedures for underwriting departments. Coordinated with insurance and guarantee departments on major underwriting decisions. Provided training for underwriting and processing department to ensure organizational success. Managed and signed on all high-risk jumbo products.

Succeeded in achieving certified qualified underwriters to underwrite FHA products loans while training and coaching underwriting staff to obtain FHA CHUM credentials. Additional Experience

Senior Underwriter, GEM Mortgage, 2013 - 2014

Senior Underwriter, First Mortgage Corp, 2012 - 2013 Senior Underwriter, Point Mortgage, 2011 - 2012

Senior Underwriter, PMAC, 2009 - 2011

Senior Underwriter, Paramount MTG, 2006 - 2009

Senior Underwriter, Lending First, 2005 - 2006

Senior Underwriter, Stearns Lending, 2004 - 2005

Senior Underwriter, Countrywide, 2000 - 2004

Certifications

VA LAPP/SARR certified, ID; 017081 and FHA/CHUM certified, ID; DV87 Technical skills

DU, LP, DATA TRAC, ENCOMPASS, Point, LENDING QBE

Paperless Underwriting, Aces System & Working Remote GUS SYSTEM, Excel spread worksheet, Microsoft Office Suite

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