Mortgage Underwriter Support Specialist

Heather L. Westcott Crystal Lake, IL. Cell # 847-***-**** adwbct@r.postjobfree.com

Education : Northern Illinois University, Bachelors Degree Professional Experience:

Senior Underwriter & Sales Support Specialist Home State Bank 8/2022 – 2/2023 Formulated and communicated credit decisions in compliance with established underwriting guidelines. Evaluated financial risks and made final decisions on eligibility for applicants. Provided guidance to loan officers how to structure complicated mortgage loans. Analyzed consumer documents and evaluated risk. Reviewed tax returns and other documents to support and make credit decisions. Evaluated condominium budgets, insurance, bylaws, questionnaires, titles and appraisals to lender certify established buildings under FNMA guidelines on behalf of HSB. Underwrote internal Portfolio loan programs according to internal guidelines. Underwrote FHA VA USDA IHDA Bond and conventional loans.

Senior Mortgage Underwriter & Sales Support Specialist Fairway Independent LLC 08/2016 – 7/2022 Underwriter responsible for formulating credit decisions for government and conventional residential mortgage loans according to investor and agency guidelines. Made final decisions on eligibility for loan applicants. Provided detailed underwriting guidance and proactive lending solutions to sales partners. Answered questions by clients, referral sources and company staff about loan programs, internal and external guidelines. Maintained current knowledge of all applicable regulatory agency, investor and internal overlays. Underwrote FHA VA Bond Programs and conventional loans. Senior Mortgage Underwriter & Sales Support Specialist Prospect Mortgage LLC 04/2013 – 08/2016 Underwriter responsible for evaluating assets, income, credit reports, appraisals and title reports. Calculated income for self employed borrowers. Reviewed all documentation to formulate a credit decision. Responsible for providing support to loan sales staff and customers during loan process. Senior Mortgage Underwriter & Sales Support First Centennial Mortgage 02/2011 – 12/2012 Provided prompt customer service by responding to loan product questions and loan scenarios. Correspondent Underwriter responsible for underwriting in accordance with investor, FNMA, Freddie Mac, FHA and VA guidelines. Identified potential risk and credit worthiness of loan applicants. Government Mortgage Underwriter & Sales Support American Fidelity Mortgage 1/2010 – 02/2011 Analyzed applicants credit history, appraisals, income, collateral and asset documentation in accordance to Department of Housing and Urban Development guidelines and Department of Veterans Affairs. Provided support to sales staff in structuring loans and answering guideline questions. Conventional Mortgage Underwriter JP Morgan Chase Bank 03/2007 – 01/2010 Reviewed and Evaluated appraisals, income, assets, credit and all documentation for analysis. Underwrote loans for the Self Employed borrowers, 50A6 TX Team, HARP and New York Co-op Team. Processing Supervisor Residential Plus Mtg. Corp 01/2002 – 01/2007 Recruited, hired, trained and managed mortgage loan staff. Motivated and managed processing team ensuring team members adhere to regulatory compliance guidelines. Established guidelines for procedures and policies for processing. Assisted in structuring loans with loan Originators with complex loan applicants. Communicated with Loan Originators, lenders and processors with status of loan applications and product questions. Established pricing and credit terms for applicants. Loan Originator RBC/ Prism Mortgage 04/1999 – 01/2002 Networked, marketed and presented mortgage products to realtors, builders, and potential clients. Met with customers to determine their needs and recommend loan products to meet their goals. Senior Loan Operation Specialist LaSalle / ABN AMRO Corp. 04/1995 – 04/1999 Gathered loan documentation from applicants, ran AUS systems DU and LP, submitted residential and commercial loans for approval to underwriting. Customer service liaison with borrowers, realtors, attorneys and title companies. Reviewed and evaluated income, asset and property documentation Ordered payoff statements, subordinations, releases and pertinent documentation for loan approval. Effectively communicated with originators and other internal and external clients.