Gianna M. Nienas

*** ***** ****, ****** ****, Texas 76262 817-***-**** adxp6j@r.postjobfree.com

SENIOR MORTGAGE UNDERWRITER

Expertise in Conventional, FHA, VA & USDA

Mortgage underwriter known for strengths in risk assessment, income/credit analysis and

documentation review. Commended for the timely and accurate completion of compliant loan packages

facilitating volume growth while preserving book-of-business quality.

Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-

insured loan programs for both conforming and nonconforming mortgages. Well-versed in federal regulations

and regulatory agencies including USPAP, RESPA, FNMA, FHLMC, FHA, VA, USDA and Fair Lending.

Skills

Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis

Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios

Conventional & Government Mortgages Conforming & Nonconforming Loans

ARMs Loan Closing, Funding & Documentation Account Service Excellence

Professional Underwriting Experience

American Portfolio Mortgage Corporation

Mortgage Loan Underwriter 11/21/22 1/31/23

Review documentation provided on each loan including all Agency specific forms, credit report, income and

asset documentation, purchase agreement, title report, etc. to make an informed lending decision in

compliance with FNMA, FHMLC, HUD, VA, USDA and all company policies and guidelines.

Calculate borrowers income and debt-to-income ratios based on acceptable FNMA, FHMLC, HUD, VA,

USDA, and company policies.

Inputs lending decisions and completes required screens in the LOS that include the accurate completion of

the required Agency forms as well as adding and/or creating applicable conditions of the loan approval.

Maintained meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of

borrowers to determine risk and repayment capacity.

Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.

Maintained compliance with lending, underwriting and government requirements.

Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management

throughout all phases of the underwriting process.

Perform a comprehensive appraisal review to ensure the collateral is acceptable, meets FNMA, FHMLC, FHA,

VA, USDA, and company guidelines.

Run, read and interpret AUS results (to include DU, LP, GUS, VA, and FHA Scorecard).

Maintain 24-48 hour underwriting turnaround on new loans and resubmissions.

Effectively communicate all decisions and any required conditions to the Loan Processor and Sales Team.

Maintain and cultivate an effective working relationship with internal and external customers.

Provide assistance to expedite final approval of the file.

Respond to all inquiries in a timely manner as established by company SLAs.

Adjusts to work and thought process to accommodate changes in the lending environment.

Consistently meet or exceed established minimum productivity levels as determined and required by

management for both underwriting and condition management.

Successfully provides mentoring, guidance and training to less experience personnel.

Successfully assists Loan Processors and Sales Team support with underwriting questions, scenarios and

problems.

Responds to quality control responses in a timely manner.

Knowledge of secondary market requirements.

Flexibility to work extended hours during heavy workload periods.

Perform other duties and special projects as required.

Town Square Mortgage & Investments, LLC

Processing Escalation Specialist 3/10/22 11/18/22

Primary source of support and information for credit processors, calculating income and reviewing underwriting

requirements, escalating to the Escalation and Development Manager (EDM) on an as-needed basis to clear or

clarify any underwriting conditions and exceptions. Aids in resource management, development, and training.

Key Responsibilities

Answering questions from the credit processing team on active files in regard to income calculations,

determining documentation needs for underwriting conditions, and clarifying agency guidelines. Escalating

complex or complicated requirements to EDM when needed.

Assisting with developing training topics, materials and supplements.

Weekly meetings to identify inefficiencies, determining individual and group needs based on daily interactions

and patterns with credit processors.

Taking direction from EDM regarding daily, weekly, and monthly priority and tasks.

Texana Bank, Southlake, Texas

Senior Mortgage Underwriter Team Lead 12/30/19 1/14/22

First Savings Bank, Louisville, Texas

Senior Mortgage Underwriter, 8/06/19 12/27/19

Sente Mortgage, Austin, Texas

Senior Mortgage Underwriter, 3/10/19 8/03/19

Senior Mortgage Underwriter, 4/02/18 10/09/18

Freedom Mortgage Corporation, Austin, Texas

Senior Mortgage Underwriter, 10/12/16 2/09/18

Pacific Union Financial, Farmers Branch, Texas

Senior Mortgage Underwriter, 9/21/15 9/30/16

NLC Loans, Cleveland, Ohio

Senior Mortgage Underwriter, 3/01/15 9/28/15

Citibank Mortgage, OFallen, Missouri

Senior Mortgage Underwriter, 3/01/07 2/28/15

Education

Portland Community College, Portland, Oregon

Colorado Real Estate Institute, Denver, Colorado

Colorado Real Estate License

Technology

Encompass and Data Track; DU, LP, and GUS systems; MS Word and Excel

REFERENCES AVAILABLE UPON REQUEST

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