Mortgage Underwriter Senior

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Carl Brody

Senior Mortgage Underwriter - DE

********@*******.*** • 813-***-****

LinkedIn • Gibsonton, FL

Accomplished Senior Mortgage Underwriter - DE with 15+ years of experience in financial services industry, specializing in detailed credit and income analyses to ensure compliance with federal guidelines. Recognized as top performer for efficiency and thorough evaluations, leading to rapid promotions and consistent accolades. Committed to cross-functional collaboration and staying current with industry trends, excelling in delivering accurate underwriting decisions while supporting team success and meeting deadlines.

Areas of Expertise

● Residential Loan Underwriting

● Credit & Compliance Analysis

● Risk Assessment & Fraud Prevention

● Income and Asset Verification

● Customer Service Excellence

● Secondary Market Eligibility

● Loan Quality Control

● Detailed Appraisal Evaluations

● Loan Origination Support

Career Experience

PennyMac, Tampa, FL

Senior Mortgage Underwriter - DE

Jun 2020 — Mar 2024

Analyzed credit and income documentation to approve residential loan requests up to $1.5MM, ensuring compliance with HUD, FNMA, and FHLMC guidelines. Conducted thorough evaluations of DE-approved appraisals according to 4000.1 standards. Served as front-end FHA, Conventional, and Jumbo Underwriter for both Consumer Direct and TPO Divisions, collaborating with cross-functional teams to streamline underwriting processes and enhance loan quality. Maintained updated knowledge of industry regulations and standards to support accurate underwriting decisions.

● Ranked among top underwriters in productivity, demonstrating exceptional efficiency and dedication.

● Finished as #6 TPO underwriter in Q4 2023, showcasing high-level expertise and outstanding performance. Clayton Services, Tampa, FL

Mortgage Underwriter

Apr 2016 — Jun 2020

Conducted credit and compliance analyses for various client files to ensure secondary market eligibility and prevent fraud. Conducted thorough full file reviews in line with FNMA, FHLMC, and FHA guidelines, maintaining commitment to quality and timely delivery. Collaborated with loan origination teams to verify accuracy and completeness of financial documentation, thereby enhancing loan approval process. Developed deep understanding of underwriting criteria and risk assessment to support informed lending decisions. Streamlined underwriting procedures, contributing to an efficient mortgage processing workflow.

● Achieved promotion from compliance to full credit underwriter, reflecting strong dedication and expertise in mortgage underwriting.

Mortgage Underwriter at JCIII & Associates/American Mortgage Consultants NKA AMC-Situs, Tampa, FL

Oct 2012 — Apr 2016

Conducted comprehensive credit and compliance reviews of post-closed loans, including seasoned portfolios, for diverse client base. Executed thorough re-underwriting processes, ensuring accurate income and asset verification along with diligent fraud review. Maintained strict adherence to industry standards and regulations, including FNMA, FHLMC, VA, FHA, RESPA, TILA, and HOEPA. Collaborated with cross-functional teams to streamline underwriting procedures and uphold best practices in mortgage underwriting.

● Recognized as Top 10 compliance underwriter for three consecutive years, showcasing excellence in regulatory knowledge.

USAA Mortgage, Tampa, FL

VA Mortgage Processor

Mar 2012 — Oct 2012

Processed VA mortgage applications, verifying documentation and analyzing income and assets for USAA members. Coordinated appraisals and credit reports to ensure smooth loan progression from application to underwriting. Served as Page 2

primary contact for member service issues, maintaining exceptional relations until closing. Streamlined loan application process, reducing turnaround time through effective documentation management. Collaborated with underwriting and closing teams for smooth handoffs and service continuity. Ensured compliance with industry regulations in all processing activities.

● Enhanced loan processing efficiency through meticulous attention to detail and adherence to established guidelines and regulatory requirements.

● Improved member satisfaction by delivering consistent, high-quality customer service throughout loan processing cycle.

● Contributed to team success by proactively offering support and assistance, reinforcing collaborative work environment.

Additional Experience

● Preservation Coordinator at Cyprexx Services, LLC, Brandon, FL

● Branch Manager/Regional Manager at Numerica Mortgage, LLC, Tampa, FL

● Sales Manager at Fremont Investment & Loan, Tampa, FL

● Business Development Representative at WMC Mortgage Corp, Woodland Hills, CA

● Florida Branch Manager at Planters Equity Lending, Tampa, FL

● Managing Director at CIB Financial/KBC Funding, Tampa, FL

● Senior Vice President at DSB Funding Corp, Tampa, FL Education

Completed various courses in Psychology, Old Dominion University (Sophomore and Junior Years) University of Georgia (Freshman Year)

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