Tricia Nelson

916-***-**** adwdft@r.postjobfree.com Roseville, CA 95747

SUMMARY

Detailed Senior Mortgage Underwriter offering 25-years background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Proficient in Encompass,AUS,DU/DP Disciplined Mortgage Underwriter pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements. Dedication to prompt project completion and continual adaptation. Team-oriented with reliability and focus on equitable task distribution through group projects and motivation to accomplish mutually held goals.

SKILLS

Payment Schedule Computation

Referral Network Development

Credit File Updating

Loan Processing Coordination

Property Evaluation

Tax Liability Calculation

Credit History Review

Creditworthiness Determination

Application Review

Attention to Detail

Income Evaluation

Product Education

Loan File Review

Problem-Solving

Automated Underwriting System (AUS)

Problem Solving

Multitasking and Prioritization

Remote Video Conferencing

Time Management

Oral and Written Comprehension

Analytical and Critical Thinking

Basic Mathematics

Sound Judgment

Decision Making

Fraud Detection and Prevention

Verbal and Written Communication

UNDERWRITING CREDENTIALS

I have my FHA and VA credentials, I'm able to underwrite all Government Loans. My Deficiency rating with Flagstar Bank is a 98.99%- Low risk issues on files, within top 5 underwriters. Also top 5 underwriters in volume

EXPERIENCE

Sr. Mortgage Underwriter, Flagstar Bank, August 2019-February 2023 Roseville, CA

Maintained compliance with company and regulatory policies.

Evaluated loans against portfolio and investor guidelines.

Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.

Communicated with applicants and internal team members to discuss identified conditions needed for approval.

Evaluated mortgage loan risk based on sound underwriting decisions.

Reviewed and evaluated loan applications and supporting documents.

Researched applicant employment and financial histories to confirm document accuracy.

Resolved document mistakes and discrepancies and identified signs of fraudulent activity.

Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.

Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.

Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.

Collaborated with loan originators and processors to correctly review and assess applications and risks.

Evaluated single-family, condominium, multi-family and manufactured home appraisals

Determined loan eligibility and approved or rejected applications. Mortgage Underwriter, Caliber Home Loans, May 2016-June 2019 Roseville, CA

Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.

Reviewed and evaluated loan applications and supporting documents.

Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.

Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.

Approved or denied loan applications and explained reasoning behind decisions.

Determined loan eligibility and approved or rejected applications.

Assessed financial means and desires of each client in order to set up appropriate mortgage packages.

Verified client financial information to determine creditworthiness and loan eligibility.

Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.

Stayed abreast of lending regulations, industry trends and market rates.

Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.

Analyzed loan risk and reviewed loan conditions and requirements.

Maintained compliance with company and regulatory policies.

Reviewed credit histories from applicants and determined feasibility of granting requested loans.

Mortgage Underwriter, Provident Bank Mortgage, March 2012-May 2016 Roseville, CA

Reviewed client documentation and contracts for discrepancies and mistakes.

Verified client financial information to determine creditworthiness and loan eligibility.

Approved or denied loan applications and explained reasoning behind decisions.

Stayed abreast of lending regulations, industry trends and market rates.

Reviewed credit histories from applicants and determined feasibility of granting requested loans.

Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.

Loan Processor, VITEK Mortgage Group, January 2008-January 2012 Roseville, CA

Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.

Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.

Reviewed client documentation and contracts for discrepancies and mistakes.

Completed closing process by collaborating with attorneys, title companies and government clerks.

Verified client financial information to determine creditworthiness and loan eligibility.

Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Reviewed credit histories from applicants and determined feasibility of granting requested loans.

Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.

Calculated income, assets and liabilities to meet lender requirements.

Created and completed loan submission packages.

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

Met with applicants to obtain information for loan applications and answer questions about processes.

Identified valuable solutions for customers with credit problems.

Stayed abreast of lending regulations, industry trends and market rates.

Filed completed packages quickly and efficiently.

Structured loan packages by properly analyzing credit reports, income and asset documents.

Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.

EDUCATION AND TRAINING

High School Diploma

Del Oro High School, Loomis CA June 1983

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