Team Leadership Mortgage Underwriting

Highly motivated solutions-oriented Senior Underwriter and Team Lead with a history of success managing large underwriting teams, improving departmental performance, streamlining processes, mitigating risk, increasing employee engagement, and delivering remarkable client experiences. Analytical business professional with effective account management, time management, organizational, and complex problem-solving skills. Confident decision-maker who manages results through planning, transparent communication, measuring performance, and reinforcing personal accountability. Knowledgeable and trusted advisor who serves as a go-to person for accurate and reliable information to senior leadership and cross-functional teams. Inspirational team leader who fosters a culture of employee empowerment, team development, collaboration, and a sense of shared purpose. Effective communicator with strong interpersonal skills and the ability to nurture productive and trusting relationships with clients, colleagues, and key stakeholders alike. Additional Competencies

Business Operations Account Management Customer Service Regulatory Compliance Risk Analysis Data Analytics Loss Prevention Financial Acumen Documentation Review Quality Control Process Oriented Risk Analysis Employee Training & Development Optimism Critical Thinking Detail-Oriented Reliable Time Management Resourceful Mathematical Aptitude Numeric Reasoning Adaptability Emotional Intelligence Continuous Learning Empathy FHA DE FNMA, FHLMC, USDA, Bond Loans, & Reverse Mortgages Technical Proficiencies

Microsoft Office: Word, Excel, & Outlook Zoom Teams Guardian Pro Policy Center FHA Connection Fannie Mae DU Freddie Mac LPA Assettwise Clues Loan Origination Software System: GMAC, Encompass, & Various Proprietary Systems Workday Box Salesforce

Radian Guaranty - Wayne, New Jersey June 2015 - March 2023 Conventional Underwriter Team Lead (Remote)

Reported to the Assistant Vice President of Underwriting and was responsible for processing high-volume complex conforming, non-conforming, and jumbo mortgage loans with delegated signing authority of $2.2M.

Provided leadership direction, mentoring, and coaching to 150 underwriting professionals and department associates.

Reviewed and analyzed loan documentation and applications to ensure compliance with state and federal regulations, company guidelines, and investor requirements.

Reviewed income documentation, tax returns, credit reports, preliminary reports, judgments, bankruptcy documents, and appraisals to evaluate creditworthiness and determine risk.

Communicated directly with lenders and clients regarding disposition of loan files.

Supported contract underwriting by providing second reviews of loans and documented and communicated reasons for approval or rejection to loan officers and loan processors.

Served as dedicated support specialist to internal underwriters working with high-profile client, Penn Fed.

Collaboratively completed Redaction Project associated with implementation of new underwriting A.I. system.

Maintained current knowledge of underwriting trends, policies and guidelines, and applicable state and federal laws.

Provided ongoing training and mentorship to underwriting team members to improve efficiency and accuracy. Caliber Home Loans - Coppell, Texas March 2013 - March 2015 Senior Underwriter (Remote)

Reported to the Assistant Vice President of Underwriting and was responsible for processing high volume complex conforming, non-conforming, jumbo FHA & non-agency mortgage loans with delegated signing authority of $1M. Goodyear, AZ 85338 925-***-**** adydt3@r.postjobfree.com https://www.linkedin.com/in/maggie-nielsen- Employment History

Maggie Nielsen

Conducted regular mortgage compliance reviews following company guidelines, assisted with re-negotiations of loans based on lending guidelines, and assisted with other departments as needed.

Reviewed and analyzed loan documentation and applications to ensure compliance with state and federal regulations, company guidelines, and investor requirements.

Reviewed income documentation, tax returns, credit reports, preliminary reports, judgments, bankruptcy documents, and appraisals to evaluate creditworthiness and determine risk.

Communicated directly with lenders and clients regarding disposition of loan files.

Maintained current knowledge of underwriting trends, policies and guidelines, and applicable state and federal laws.

Provided mentoring and coaching to underwriting professionals. New Penn Financial - Concord, California May 2012 - March 2013 Senior Underwriter (FHA/Conventional Loans)

California Mortgage Advisors - San Rafael, California July 2011 - May 2012 Senior Underwriter (FHA/Conventional Loans)

Franklin American Mortgage - Concord, California November 2010 - February 2011 Senior Underwriter

Gateway Bank F.S - San Leandro, California October 2007 - November 2010 Senior Credit Analyst FHA Underwriter

Central Pacific Mortgage - Walnut Creek, California January 2005 - January 2007 Account Executive

Fullerton College - Fullerton, CA

Associate of Arts, Business Marketing

U S Department of Agriculture / U.S. Department of Housing & Urban Development ID USDA Certified

Federal Housing Administration / U.S. Department of Housing & Urban Development ID FHA DE Certified

Professional references available upon request

Additional Relevant Experience

Education & Certifications

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