Underwriter

AMY AINSLIE

*** *. ********, ** *****

605-***-**** - *********@*****.***

PROFESSIONAL SUMMARY

Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. SKILLS

Policy Development

Quality Control

Coverage Determination

Time Management

Property Appraisals

Quality Assurance

Risk Management

Data Analysis

Freddie Mac and Fannie Mae

Compliance

Loan Approval and Denial

Government Lending

File Analysis

Automated Underwriting Systems

Prioritizing and time management

USDA standards

WORK HISTORY

11/2021 to 02/2023 Conventional and USDA Underwriter Rapid Mortgage Company – Cincinnati, OH

Determined and documented loan conditions and communicated requirements and decisions.

Analyzed credit, income, compliance, title documents and appraisals during underwriting process.

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.

Verified integrity of applicants' information to minimize fraud. Worked with processing team members to communicate errors and obtain missing information for current applications.

03/2019 to 11/2021 Senior Loan Processor

Rapid Mortgage Company – Cincinnati, OH

Evaluated approvals against established bank and government lending standards. Reviewed financial statements and contacted institutions and customers to clarify details.

Handled any conditions sent from underwriting departments. Set up and completed loan submission packages.

Coordinated closing process with attorneys, title companies and government clerks.

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Upheld complete confidentiality of all submitted information according to release guidelines.

Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.

Prepared documents for underwriting by verifying client income, credit reports and other information.

Provided quick turnaround times to maintain fast-past schedule. Maintained long-term relationships with customers to provide best-in-class customer service.

06/2017 to 02/2018 Senior Loan Coordinator

Guaranteed Rate – Grand Rapids, MI

05/2014 to 05/2017 Senior Processor

AmeriFirst Home Mortgage – Milwaukee, WI / Lansing, MI EDUCATION

Certifications

Certified to underwrite the following DPA Bond programs - OHFA, NCHFA, House Charlotte, CHENOA.

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