Underwriter/Underwriting manager

MORTGAGE UNDERWRITING PROFESSIONAL

Analysis Collaboration Calm Under Pressure

A Mortgage Underwriting Professional with demonstrated success contributing to the business’ success by providing professional customer service with quality underwriting. Extensive knowledge in conventional, non-conventional, FHA, jumbo underwriting, and management.

Technical Skills: ENCOMPASS, FRAUDGUARD/FIRST AMERICAN, DESKTOP UNDERWRITER, COLLATERAL UNDERWRITER, RADIAN MI, ARCH MI, ENACT MI, LEXISNEXIS RISK MANAGEMENT

PROFESSIONAL EXPERIENCE

COMPUTERSHARE

Remote Underwriter Manager 2020 – 2022

Recruited to assist in mentoring team members, reviewing escalated issues with team members, loan shadowing new team members. Served as a 2nd review for income calculations and provided Encompass & Loan Pilot assistance.

Led Underwriting meetings for updated processes, guidelines, and error trends.

Assisted in mentoring processors, with processing procedures, underwriting & guideline questions.

Provided feedback on QA issues, questions, and rebuttals.

RADIAN MORTGAGE INSURANCE

Remote Underwriter 2019 - 2020

Reviewed, examined, and underwrote loans to ensure soundness, business value and compliance with Radian MI and investor standards.

Underwrote to multiple investor specific parameters.

Analyzed credit, assets & income from salaried, commissioned, self-employed, investments, and fixed income sources.

Reviewed and approved appraisals for all property types (apart from Co-ops and Manufactured homes).

LENDERLIVE (Acquired by ComputerShare in 2018)

Remote Underwriting Team Lead 2013 - 2018

Assigned and distributed loans to Underwriters to balance service level agreement (SLA), and rush requests.

Monitored pipelines to ensure SLA times were being met.

Handled escalations from Underwriters and the client.

Performed data Input and analysis of findings in Loan Prospector, Desktop Underwriter, AssetWise, other automated underwriting systems (AUS) engines, and proprietary AUS.

WELLS FARGO HOME MORTGAGE

Consumer Loan Underwriter III 2013

Recruited to review, analyze, approve, and underwrite residential loans within company and industry guidelines. Conventional and FHA loans.

Accurately determined gross monthly income for various types of borrowers’ employment.

Reviewed financial statements, income taxes, bank statements, credit reports, and applicable ratios such as debt ratios and loan-to-value.

Managed heavy workload and multitasked to meet performance goals around productivity, volume, and quality.

FANNIE MAE

QA Underwriter 2011 - 2013

Reviewed closed loans for eligibility with respect to Fannie Mae Selling Guide, DU Guide.

Identified transaction components that indicate a potential for fraud.

Accurately recorded data and reviewed conclusions in QAS (Quality Assurance System).

Maintained a sound knowledge of Fannie Mae guidelines, DU guidelines, and risk assessment tools used to decision mortgage loans.

Maintained a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity.

WELLS FARGO HOME MORTGAGE

Loan Administrator Manager 2007 - 2011

Responsible for hiring, developing, and supervising non-exempt production support for a staff.

Led and oversaw activities of a loan production for retail real estate loan team.

Coordinated, directed, coached, trained, and monitored daily activities of staff as assigned.

Guided less senior team members to successfully complete moderately complex to complex work in a high unit volume environment.

PROFESSIONAL DEVELOPMENT

DIRECT ENDORSEMENT FROM HUD

DE #EH15 – TX/USA, January 2010

SAFE ACT

NMLS #1106061, CT & MA/USA, January 2022

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