Mortgage Underwriter Palm Bay

Dawn Marie Bittar

Palm Bay, Florida

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

Cell: 321-***-****

PROFESSIONAL SUMMARY

Detail-oriented and experienced Underwriter with a solid background in mortgage underwriting and consumer lending. Demonstrated success in managing complex loan transactions from initial review to closing, ensuring strict compliance with investor guidelines while effectively mitigating risk. Proficient in handling a diverse range of loan products, including FNMA, FHLMC, FHA, VA, USDA, Non-QM, HELOC, Construction Loans, and more. Eager to apply my extensive underwriting expertise and in-depth industry knowledge in the role of Consumer Mortgage Underwriter.

KEY SKILLS

Managed mortgage underwriting functions for assigned loans from loan review through closing, covering a range of product types including FNMA, FHLMC, FHA, VA, USDA, Bond, Construction Loans, HARP, Second Mortgages, HELOCs, Subprime, and Private Loans.

Updated and maintained all relevant information in underwriting and processing systems to verify, add, delete, waive, and approve lender’s loan conditions.

Managed investor and lien holder guidelines to determine underwriting decisions, assess increased risk, and ensure loan compliance.

Utilized systems such as AUS, LOS, Encompass, and MI to underwrite files efficiently and meet SLA goals.

Experienced in utilizing a paperless loan system to telecommute and work remotely.

Expertise in Affordable Housing, Down Payment Assistance Programs, and LIHTC transactions.

Conducted Commercial & Multi-Family Property reviews, analyzing NOI, Cap Rates, Debt Service Coverage, and acceptability per guidelines.

Licensed Florida Real Estate Broker (BK666009) since 1998, currently inactive.

Maintained up-to-date knowledge of compliance requirements under TRID and the Dodd-Frank Wall Street Reform & Consumer Protection Act.

Analyzed financial documents such as 1040, 1120, 1120s, 1065, Year-to-Date Profit & Loss statements, Balance Sheets, bank statements, and credit data (both Personal and Business Credit Reports) to assess risk, make credit decisions, determine income qualifications, and ensure fraud prevention.

Determined and monitored title insurance requirements, title search procedures, and real estate closing practices.

Reviewed and evaluated insurance policies, including HO3, HO5, HO6, and master insurance policies for 1-4 family units, condominiums, townhomes, manufactured homes and PUDs, ensuring compliance with guidelines and applicable Flood, Windstorm, and supplemental insurance policies.

Experienced in underwriting using URAR FHLMC Form 70 and FNMA Forms 1004, 1073, 1007, 216, and 1025.

Proficient in Microsoft Office applications (Word, Excel, Outlook, Access, etc.).

Completed the Federal SAFE Pre-Licensure Education Compliance Course in May 2016 (NMLS ID 1493439).

Successful credit and appraisal reviews of 1-4 Family, Manufactured Homes, Mixed Use, 10 acre+ parcels, Vacant Land and Unique Properties (log cabin, modular, dome, etc…).

PROFESSIONAL EXPERIENCE

Partner Relations Coordinator

Greater Palm Bay Chamber of Commerce, Remote/In-Office/In-Field

March 2023 – August 2024

Drove membership growth and strengthened community partnerships.

Achieved a revenue increase of over 500% through strategic outreach and effective engagement.

Fostered strong member retention with personalized communication and support.

Consumer Mortgage Underwriter

Caliber Home Loans, Remote

June 2020 - July 2022

Consistently achieved over 40 units per month and was recognized as Top Producer in April 2021, with quality included in performance rankings.

Transferred to the South Florida team for expertise in underwriting self-employed borrowers, condos, and complex files.

Maintained a 100% quality rating as an underwriter, consistently meeting daily SLA requirements by processing 2-3 new loans, reviewing 6-8 condition files daily, and funding 40-50 loans monthly, volume permitting.

Underwrote complex loan files, including Non-QM and IRRRLs, with a national credit limit of up to $3,500,000.

Home Mortgage Consultant

Wells Fargo Home Mortgage (WFHM)

November 2018 - June 2020

Supported mortgage needs for two bank branches (Palm Bay and Rockledge) and wealth management clients in Brevard County, ensuring quality, compliance, and meeting loan volume requirements per SLA.

Successfully closed 80% of loan applications received, including those from customer referrals.

Consumer Loan Underwriter II & III

Wells Fargo Home Mortgage (WFHM)

July 2016 - October 2018

Consistently met quality, compliance, and loan volume requirements per SLA in a high-volume underwriting environment, maintaining a 100% quality rating.

Regularly met daily SLA targets by decisioning 2-3 new loans, reviewing 6-8 condition files, and funding 40-50 loans monthly, volume permitting.

Underwriter II

Digital Risk

July 2015 - July 2016

Managed a national credit limit of up to $750,000 for the DSCR/Investor-Only Loan Program, ensuring strict adherence to underwriting guidelines.

EDUCATION

Eastern Florida State College – Remote student since August 2022, pursuing a Business degree.

National Association of Mortgage Underwriters – Active member since November 2024, currently enrolled in courses to obtain certifications in FHA, Commercial, and Conventional underwriting.

AFFILIATIONS

Vice Chairperson, City of Palm Bay Community Development Board

Sergeant at Arms/Rotarian, Rotary Club of Palm Bay

HONORS & RECOGNITION

Rotary Club of Palm Bay, Rotarian of the Year (2023-2024)

Small Business of the Year, Palm Bay Chamber of Commerce (2010)

Small Business of the Year, Cocoa Beach Chamber of Commerce (2011)

Chairperson, Palm Bay Citizens Budget Advisory Board (2018 - 2020)

HOBBIES

Golfing

Roller Skating

Biking

Gardening

Cooking

REFERENCES

Available upon request.

Contact this candidate