Mortgage Underwriter Loan Processor

Jacquelyn Rebustillos

Mortgage Underwriter Profile

*******@***.*** • 732-***-****

LinkedIn URL • Toms River, Nj 08753

Highly analytical and detail-oriented professional with extensive experience accurately underwriting customers’ mortgage applications through company systems while complying with appropriate policies and financial criteria. Instrumental in financial document analysis, loan restructuring, and application approvals/rejections. Adept at delivering guidance to clients through all aspects of mortgage loan processing while ensuring efficiency/expediency. Excel at determining appropriate pricing structures and risk analyses by assessing clients’ credit, income, and asset backgrounds. Instrumental in analyzing borrower records and statistics while consistently achieving strict deadlines. Proven track record of meeting and exceeding client/business goals by delivering innovative solutions. Solid history of mentoring new hires to professional experience. Experience in purchase transactions.

Areas of Expertise

Financial/Risk Analysis

Mortgage Application Processing

Contracts Reviewing

Policy & Procedure Compliance

VA Lapp/Sar & FHA DE Delegation

Income/Collateral/Credit Reviews

Customer Service Excellence

Team Oriented

Effective Communications

Professional Experience

Freedom Mortgage - Mount Laurel, NJ 10/2011 – 08/2022

Senior Government Underwriter

Ensured completeness, accuracy, and integrity of loan files by conducting in-depth verification. Enforced end-to-end compliance controls of Freddie Mac and Fannie Mae guidelines while underwriting conventional loans. Identified, assessed, and analyzed risk profiles and evaluated the appropriateness of approval/denial of FHA, VA, and Conventional loans. Prepared thorough underwriting calculations and worksheets to evaluate borrower creditworthiness. Performed standard calculations and determined risk level/feasibility of granting loans.

●Commended for underwriting files with correct program eligibility requirements and credit scores.

●Strictly adhered to government guidelines and underwrote VA/FHA loans.

●Gained recognition for being team-oriented and always putting the needs of the team ahead of my own.

Education & Credentials

Accounting, Georgian Court College, Lakewood, NJ

1/95 Certification, Mortgage Academy (SVNJ)

1/95 Certification, American Institute of Banking (NJ Chapter)

Additional Experience

Junior Underwriter, Real Estate Mortgage Network

Senior Loan Processor, Yes Mortgage Gateway Funding HCI Mortgage Aurora Financial Service First Interstate Financial National City Mortgage

Closing Coordinator Broker Liaison, Fleet Mortgage

Mortgage Development Officer, Sovereign Bank

Assistant Branch Manager, Harmonia Savings Bank

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