Mortgage Underwriter

Gabriella Menher

Wholesale and Retail DE, LAPP SAR, Conventional and Jumbo underwriter with experience in real estate and mortgage sales, property market analysis, financial analysis, budget analysis and implementation and quality control management.

Professional Experience:

DE/LAPP SAR at Freedom Mortgage Corp. 7/2020-11/2022.

DE Underwriter at CMG Financial 4/2017-7/2020.

DE Reatail Underwriter at Freedom Mortgage Corp. 7/2016-5/2017.

As DE, Conventional and VA SAR underwriter; responsible for underwriting loans quickly and seamlessly adhering to investor guidelines and company turn times, as well as reviewing and approving appraisal reports per VA guidelines. Communicating with clients regarding approvals as well as denials and working together to determine the best loan product for the borrower.

Jumbo Underwriter/VP National UW Manager Assistant at Guild Mortgage Company 5/2015-7/2016.

● Underwriting of Jumbo loans for delegated and non-delegated investors. Provided support to loan officers on scenario and guidelines questions.

● Responsible for the review and decision of escalations from all underwriting centers in the nation. Rework of non-purchased loans in order to place with another investor. Review and approval of Assumed loans. Assistant to VP National UW Manager.

● Review and cure of internal suspended pre-purchase loans including conforming, FHA and VA, as well as the review, cure and completion of monthly reports of all FNMA suspended loans. DE Underwriter/QC Auditor at Worldwide Credit Corporation 8/2014-5/2015

● Responsible for QC Audit Control and quarterly audit reports on FHA, VA, FNMA & Brokered closed files

● Underwriting of mortgage loans including FHA, Agency and Non- Agency

● Collaborate across teams to share information and coordinate on new ideas to streamline the process and increase productivity while maintaining acceptable turn times. Jumbo Underwriter at Flagstar Bank 10/2011-12/2013

● Responsible for underwriting loan applications as well as providing jumbo underwriting management support, by acting as a liaison between in-house bank and investors, providing jumbo loan scenario assistance to mortgage loan officers and processors.

Education & Licensing

● DE Underwriter - CHUMS HJ29

● VA SAR 026427

Mobile: 619-***-**** Gabriella Menher Email: ********@*****.***

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