Mortgage Underwriter
Resume:
Roxanne Mazarakis
Sr. Underwriter
Cameron Park, CA 95682
************@***.***
Secure as an Sr. Underwriter position.
Authorized to work in the US for any employer
Work Experience
Mortgage Underwriter III
Homepoint Financial Corporation - Ann Arbor, MI
March 2022 to September 2022
Underwriting FHA,VA, conventional and various other products. Lead Underwriter
Pac Res Mortgage - Beaverton, OR
March 2021 to February 2022
Underwrote FHA, VA, conventional mortgages and various other products. Senior Underwriter
Land Home Financial Services - Roseville, CA
September 2019 to February 2021
Underwriting FHA, VA, conventional mortgage loans and various other products. Sr. Underwriter
Plaza Home Mortgage, Inc
August 2013 to October 2018
Responsible for the daily branch underwriter training and of all underwriting related functions within a Regional Branch Office location. Responsible for analyzing and evaluating consumer home loan applications and the supporting documentation to assess borrowers' credit worthiness. Types of consumer loan applications include but not limited to Jumbo, Non-QM, Conventional Conforming, Non- Conforming, FHA, 203K Standard and Limited and VA residential first mortgages. All reviews include collateral review. Able to recommend approval or denial of credit applications and provide written and verbal decision and documentation to support the lending decision. Individual interact and work well with appropriate individuals including branch operations staff, loan originators, loan processors, account executives and Brokers. Quality customer service with internal and external customers. Paperless system, all AUS systems and versed in agency guidelines. Sr. Underwriter
Pinnacle Capital Mortgage
April 2011 to August 2013
Underwrite USDA/FHA/VA loans with Conventional and High Balance product. Manual underwriting as well as automated underwriting. Paperless underwriting. West Regional Credit Manager
Caliber Funding
August 2010 to April 2011
Manager and mentor for underwriters in the West Region of Caliber Funding. The Credit Manager. Manages the underwriting function for their regional center, which consists of all loans reviewed by front- line underwriting team while ensuring performance and quality. Involves various other responsibilities as well as underwriting VA, Conventional and FHA product. Paperless underwriting. Sr. Underwriter
Pinnacle Capital Mortgage
June 2010 to August 2010
Underwrite FHA/VA loans with Conventional and Jumbo product. Manual underwriting as well as automated underwriting. Paperless underwriting.
Sr. Underwriter
Sierra Pacific Mortgage
December 2008 to June 2010
Underwrite FHA/VA loans with Conventional and Jumbo product. Manual underwriting as well as automated underwriting. Paperless underwriting. Operations Manager
Vitek Mortgage Group
March 2008 to October 2008
• Supervised up to 15 employees.
• Underwrite Jumbo, Conventional, FHA and VA loan products.
• FHA DE underwriter and VA automatic/SAR approved.
• Primary concentration on managing underwriting flow maintaining 48-72 hour turn times which required active underwriting by myself to help maintain turn around. Sr. Underwriter
Suntrust Mortgage
August 2007 to March 2008
Underwrite Jumbo, Conventional and FHA and VA loan product. Asst. Vice President / Operations Manager/Underwriter American Brokers Conduit
August 2003 to August 2007
• Supervise up to 34 employees with a total of $100-$200
• Million in loans funded per moth.
• Underwrite various product types, automated underwrites and Manual underwrites. Jumbo and conventional conforming products. Asst. Vice President / Operations Manager /Underwriter Capitol Commerce Mortgage Co
January 1996 to July 2003
• Supervise up to 60 employees with a total of $200-$500
• Million in loans funded per moth.
• Underwrite various product types, AUS systems and Manual underwriting.. Jumbo, conventional, FHA, VA and Conventional Conforming
products.
Prior mortgage experience dating back to 1983 total of 35 yrs. VA SAR ID #014689
FHA CHUMS ID #S508
Education
High school or equivalent
Skills
• MORTGAGE (10+ years)
• UNDERWRITING (10+ years)
• MORTGAGE OPERATIONS (10+ years)
• OPERATIONS (10+ years)
• MANAGERIAL (10+ years)
Certifications and Licenses
FHA
January 1996 to Present
Also,VA approved.
Additional Information
Skill Summary
Skilled Lead Underwriter, management background with thorough knowledge of mortgage operations, automated and manual underwriting in a variety of products. Exceptional organizational, analytical and managerial skills.
References:
Dave Waddell, Regional VP Production 916-***-**** 16 yrs. Leo Whitton, Production Manager 916-***-**** 16 yrs. Dianne Watters AVP Operations Manager 916-***-**** 5 yrs. Jeanine Thomas VP Branch Manager 916-***-**** 5 yrs. Robin King, Production Manager 916-***-**** 26 yrs.
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