Mortgage Underwriter Underwriting Manager

STEPHANIE CIRAMI

Professional Mortgage Business Woman, DE Certified IW30 & NMLS# 926417

*********.******@*****.*** 813-***-**** Tampa, Florida EXPERIENCE

Point Mortgage Company 100% Remote

Chula Vista, CA

September to Current

• Underwriting all home loans

• Approval amount subject to loan type

• All loan types, Conv, FHA, HARP, USDA, Purchase/Refi/HELOC

• Followed all Investor guidelines and bank overlays Senior Underwriter

Security National Mortgage Co 100% Remote

March 2020-September 2020

• Underwriting all home loans

• Approval amount subject to loan type

• All loan types, Conv, FHA, HARP, USDA, Purchase/Refi/HELOC

• Followed all Investor guidelines and bank overlays Senior Underwriter

Loan flight Tampa Fl

September 2019-March 2020

• Underwriting all home loans

• Approval amount subject to loan type

• All loan types, Conv, FHA, HARP, USDA, Purchase/Refi/HELOC

• Followed all Investor guidelines and bank overlays Moved to Tampa Florida 5/2019

Underwriting Assistant Manager/Supervisor

US Bank St Louis, MO

April 2017 – October 2018 Underwriting Center Shut Down-Layoffs

• Started up St Louis Consumer Direct Underwriting Center

• Hired, on-Boarding, trained all underwriters

• Responsible for all day to day activities

• Developed and Maintained a loan U/W Portfolio to industry standards

• Approval to 1.5

• All loan types, Conv, FHA, VA, HARP, Portfolio, Purchase/Refi/HELOC

• Followed all Investor guidelines and bank overlays

Senior Auditor Underwriter to keep going even with all the ups and downs American Equity Mortgage St Louis, MO of the mortgage business September 2015 – March 2017 Laid off, then Company closed Personal Growth

• Completed Re-Underwrite of all loans for Salability

• Final Decision based on Auditor review career in the mortgage business

• Auditor approved to move forward to closing

• All loan types, Conv, FHA, VA, HARP, USDA, Purchase/Refi

• Followed all Investor guidelines and bank overlays

Senior Mortgage Underwriter

First National Bank of St Louis, MO

May 2012 – December 2013, Laid off

• Underwrote all home loans

• Approval to 650,000 Hard-Working Motivator Leader

• All loan types, Conv, FHA, HARP, USDA, Purchase/Refi/HELOC

• Followed all Investor guidelines and bank overlays Trustworthy Creative Enthusiastic 30+ year Expert Underwriting/Managing

Underwriter, Underwriting Manager, Closing Manager Mortgage loans, ALL types Word Excel Aurora Bank of St Louis, Mo

September 2009 – April 2012, Company shut down

• Senior Underwriter for Modifications

• Promoted to Underwriting Manager/Closing Manger—Modifications

• Managed a staff of 25 underwriting and closers H.S Graduate 1982

• Promoted to Closing Manager for all loans

• Managed a staff of 15, closers, funders, Quality Control NMLS—20 hour education Passed MLO Test

• Previous mortgage experience in all areas FHA DE IW30

Looking for a stable position further my career.

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