Quality Assurance Customer Service
Resume:
CHRISTY CHIVALETTE
SUMMARY
Highly experienced mortgage underwriting professional with over two decades of expertise in evaluating and approving a wide range of loan products, including Conventional, FHA, VA, and non-conforming loans. Demonstrated proficiency in credit, capacity, and collateral analysis, complex financial statement review, fraud detection, and portfolio risk management across high-volume retail and correspondent lending environments. Proven ability to mentor and train staff, manage quality assurance programs, and interface directly with loan originators, processors, and borrowers to structure complex loan scenarios. Holds DE Underwriter certification and has consistently maintained high-quality performance and compliance with agency and investor guidelines.
Core Competencies:
Underwriting
FHA/VA Loans
Conventional Loans
Manual Underwriting
Credit Analysis
Fraud Detection
Quality Assurance
Financial Statements Review
Loan Documentation
Customer Service
Mentoring
Risk Assessment
Compliance
Title Review
Asset Analysis
Technical Skills: Loan Prospector, Desktop Underwrite, and Microsoft Office.
PROFESSIONAL EXPERIENCE
ANE LENDING, Jacksonville, FL April 2018 – Present
Mortgage Underwriter
Provide customer service and problem resolution while assisting with complex loan structuring.
Review financial and asset statements in a high-volume environment.
Underwrite Conventional, FHA, and VA loan products.
Collaborate with originators, processors, and borrowers throughout the loan process.
Monitor pipeline for turn-time adherence, ensuring consistent service-level agreements are met.
Provide scenario analysis and income calculation support for processors and sales partners.
FREEDOM MORTGAGE January 2016 – December 2017
DE Underwriter
Evaluated loans for FHA eligibility, including borrowers, property, and appraiser, using FHA Connection.
Assessed risk using fraud detection tools and trained junior staff on underwriting procedures.
Completed timely and accurate decisions to support purchase and refinance transactions.
Reviewed AUS findings, determined documentation needed, and ensured compliance with FHA guidelines.
BANK OF AMERICA, Jacksonville, FL September 2014 – January 2016
Financial Crimes Underwriter III
Evaluated conforming loans for credit, capacity, and collateral, approving loans up to $950,000.
Performed OFAC checks and fraud reviews for personal and business accounts.
Executed portfolio analysis for risk and compliance improvement.
Communicated findings with compliance partners and assisted in SAR (Suspicious Activity Report) filing.
Assessed alert queues for potential financial crimes related to mortgage and consumer banking.
WELLS FARGO, Jacksonville, FL July 2011 – September 2014
Consumer Loan Underwriter 3
Underwrote FHA, VA, and Conventional loans, and supported the national decisioning desk.
Mentored staff, conducted condominium reviews, and maintained high production in a fast-paced environment.
Collaborated with Quality Assurance teams to address underwriting errors and audit findings.
Served as escalation contact for complex cases involving guideline interpretation.
REYNOLDS AND REYNOLDS, Jacksonville, FL August 2011 – October 2011
Automotive Front and Back Office
Processed title work and vehicle orders while managing high-volume documentation.
Worked with GM and dealerships to coordinate vehicle delivery.
WELLS FARGO, Jacksonville, FL September 2009 – July 2011
Quality Assurance Underwriter – SQC Division
Reviewed FHA/VA/Conventional loans for compliance and quality assurance.
Trained underwriters and monitored monthly quality scores.
Reviewed OFAC/AML compliance and audited final packages.
PHH MORTGAGE, Jacksonville, FL May 2009 – September 2009
Senior Underwriter III
Manually underwrote FHA, VA, FNMA, and FHLMC loans, including condominiums and complex scenarios.
Answered loan officer questions in the scenario queue.
WAMU, Jacksonville, FL March 2008 – April 2009
Quality Assurance Underwriter
Reviewed FHA/VA/Non-conforming loans for creditworthiness and compliance.
Trained junior underwriters and handled product scenario consultations.
GE CAPITAL (Chase Assignment) April 2007 – March 2008
Contract Underwriter – MI Underwriter
Underwrote conforming/non-conforming loans and reviewed quality assurance criteria.
Worked directly with originators and processors in a retail environment.
COUNTRYWIDE HOME LOANS, Jacksonville, FL June 2004 – April 2007
Staff Underwriter II
Reviewed final loan docs for approval, audited investor sale and buyback loans.
Managed and trained Level 1 Underwriters and oversaw compliance for bulk sale loans.
COMMERCIAL FEDERAL / TAYLOR BEAN & WHITAKER, Ponte Vedra Beach, FL September 1999 – November 2002
Underwriter / Closer / Secondary Market Auditor
Performed manual underwriting and post-closing audits for conforming/non-conforming loans.
Assisted in closing and compliance functions for brokers, attorneys, and clients.
EDUCATION AND CERTIFICATIONS
High School Diploma, Jacksonville, FL
DE Underwriter
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