Real Estate Process Improvement

MEGAN LEWIS

512-***-**** *************@*******.*** Pensacola, FL

PROFESSIONAL SUMMARY

Experienced mortgage professional with over 15 years of progressive roles in underwriting, condo project eligibility, and appraisal operations. Proven ability to analyze complex financial documents, lead teams, and ensure compliance with FHA, VA, Fannie Mae, and Freddie Mac guidelines. Adept in using Encompass and Empower with a strong focus on communication and process improvement.

WORK EXPERIENCE

Conventional Underwriter

DHI Mortgage — January 2019 to May 2025

Analyzed mortgage applications for creditworthiness and compliance with investor guidelines.

Reviewed financial documents including income statements, tax returns, and bank statements.

Assessed property appraisals for accurate valuations.

Identified risk factors and fraud indicators.

Managed high loan volume while meeting quality benchmarks.

Evaluated complex income scenarios including self-employed borrowers.

Condo Specialist

DHI Mortgage — September 2013 to January 2019

Assessed condominium project eligibility for FHA, VA, Fannie Mae, and Freddie Mac.

Collected and reviewed documentation from HOAs, builders, and real estate agents.

Analyzed budgets, insurance, and legal documents to determine compliance.

Supported underwriters and loan officers with project-specific guidance.

Maintained project review checklists and internal resources.

Appraisal Specialist / Team Lead

DHI Mortgage — June 2009 to September 2013

Supervised a team of 20+ employees managing appraisal ordering and final inspections.

Collaborated with loan officers, processors, and appraisers.

Assisted IT in developing a proprietary appraisal ordering system.

Handled FHA/VA case number requests and appraisal transfers.

EDUCATION

High School Diploma

SKILLS

Mortgage Underwriting

FHA, VA, Fannie Mae, Freddie Mac Guidelines

Credit & Financial Analysis

Encompass & Empower Systems

Appraisal Management

Risk Assessment

Team Leadership

Regulatory Compliance

Excellent Communication

Organizational Skills

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