Mortgage Underwriter Loan

DH Denise Haynes

Charleston, WV ***** 304-***-****

**************@*****.***

PROFESSIONAL

SUMMARY

I use all AUS systems. Being very proficient at checking the guidelines for each product and any overlay for investors. I have received top underwriter awards. I manage time very well. Staying in the turn time set for company I have experience in doing DPA/Bond loans. I am very proficient at checking the guidelines for each product and any overlay for investors. I have received top underwriter awards. Manage time very well. I have experience in doing DPA/Bond loans.

SKILLS SOFTWARE USED

Encompass.

Word, Excel, Power Point,

Fannie Mae, Freddie Mac, GUS.

FHA, VA

WORK HISTORY REMOTE SENIOR MORTGAGE UNDERWRITER 04/2019 to 03/2023 Revolution Mortgage Westerville, OH

Underwrite Conventional, FHA, USDA, TDHCA/Bond Loans DE Approved with CHUMS # and VA approved with SAR/LAPP Support processors and loan officers while providing superior customer service in timely and efficient manner.

Analyze business/consumer financial statements, individual credit reports, calculate cash flow and balance sheet ratios as appropriate, Responsible for ensuring compliance with appropriate company and secondary market investor standard

Review one-to-four-unit appraisals and Title Policies. REMOTE MORTGAGE UNDERWRITER 05/2016 to 04/2019

Keller Mortgage Dublin, OH

Underwrite Conventional, FHA, USDA, TDHCA/Bond Loans DE Approved with CHUMS # and VA approved with SAR/LAPP Support processors and loan officers while providing superior customer service in a timely and efficient manner

Analyze business/consumer financial statements, individual credit reports, calculate cash flow and balance sheet ratios as appropriate, Responsible for ensuring compliance with appropriate company and secondary market investor standard

Review one-to-four-unit appraisals and Title Policies. MORTGAGE UNDERWRITER II 04/2015 to 01/2016

Victorian Finance LLC

Underwrote FHA Loans and Bond Loans with multiple state Housing Authorities

DE Approved with CHUMS #

Reviewed one -to four-unit appraisals daily and Title Policies Responsible for ensuring compliance with appropriate company and secondary market investor standards

Analyze business/consumer financial statements, individual credit reports, calculate cash flow and balance sheet ratios as appropriate, Support processors and loan officers while providing superior customer service in a timely and efficient manner.

MORTGAGE LOAN UNDERWRITER II 12/2011 to 04/2015

BB&T Charleston, WV

Underwrote conventional conforming, non-conforming and Multiple Housing Authority Bond loans

DE Approved with CHUMS #

Refinances, Purchases, Investment, Second Home, Self employed and HARP loans, using LP and DU

Support processors and loan officers while providing superior customer service in a timely and efficient manner

Review one- to four-unit Appraisals daily and Title Policies EDUCATION High School Diploma 06/1983

Sissonville High, Sissonville WV

Estate Finance, continue to take regular training with different organizations to stay on top of all new guidelines.

Graduate 06/1983

Sissonville High School, Sissonville WV

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