Mortgage Underwriter Team Member
Resume:
Joie Richardson
Experienced Underwriter
Detroit, MI 48219
****.********@*****.***
To obtain a position in the mortgage or insurance industry as an underwriter, who understands both Freddie Mac and Fannie Mae selling guides, as well as financial portfolios and risk mitigation. Authorized to work in the US for any employer
Work Experience
Senior Mortgage Underwriter
GATEWAY MORTGAGE, a division of Gateway First Bank - Oklahoma December 2020 to May 2022
• Underwrite new loans within the turn time for the day and communicate with the branches if a loan is to be denied or suspended
• Complete a thorough analysis of bank statements, credit reports, income documents i.e w-2, 1099, tax returns documents, HOI policies, and title documents
• Cross train of FHA loans both purchases and refinances.
• Review newly submitted documents to clear a loan for closing. SR Underwriter, UWM
UWM
February 2019 to December 2020
* Underwriting loans and providing approvals or denials using the FNMA and FHLMC selling guide
* From all leadership and peers I have been deemed as the most positive person to work with * I have mentored/trained multiple team members due to my productions and quality scores. Sr Auditor, Amrock
Title Source
April 2011 to December 2018
* Trainer for the audit team;
* Post close team member responsible for all communication to lenders via phone call and email
* Review all loan documents from the closing to ensure all lender and underwriting requirements have been fulfilled
* Understand all county recording requirements and ensure all documents meet each county's standards Education
Bachelors of applied science in Project Management ITT TECHNICAL INSTITUTE - Troy, MI
December 2014
Skills
• Underwriting (3 years)
• Credit Analysis (3 years)
• Fair Housing Regulations (3 years)
• Banking (10+ years)
• Risk Management (7 years)
Additional Information
Skills & Abilities
• I am well versed in the FHLMC and FNMA guidelines for mortgage underwriting and can approximately underwrite 7 loans per day.
• Well versed in credit documents and analyzing risk assessments between credit and income.
• Title review and research and resolving delays and issues surrounding break of title chain
Contact this candidate