Team Lead A

NANCY MILLER

Aubrey, TX

214-***-**** *********@*****.***

Summary:

Experienced Underwriter with a robust background in mortgage underwriting and documentation.

Expertise in reviewing and analyzing a variety of loan documents, including credit reports, income statements, and appraisals, for Conventional, FHA, Jumbo, and Non-QM loans.

Proven ability to manage detailed underwriting processes, ensure compliance with guidelines, and deliver accurate and timely decisions.

Proficient with Encompass, DU/LP, AUS, and manual underwriting methods.

Demonstrated skill in managing documentation for complex loan transactions, maintaining high standards of accuracy and client satisfaction across various roles and organizations.

Successful history in management, underwriting, and QA.

Skills:

Encompass

DU/LP

AUS and Manual UW

Tax analysis

Bond and Daps

New Construction

Home Equity

Reverse Servicing

QC Front End and Post close.

Manual Underwriting

Conventional, Jumbo & FHA

Effective Communication

Underwriting Guidelines

Decision Making

Encompass

Attn. to Detail

Problem Solving

Customer Service

Automated Underwriting System (AUS)

Customer Relations

Income Verification

Education:

GED

Winnebago Board of Education - Rockford IL

Work Experience:

Edgestone Financial/remote

6/24-present

Loan Officer Assistant

Pre-underwrite loans prior to submission

Reviewed documentation for accuracy per program guidelines.

Reviewed income documentation and completed income calculations

Reviewed credit

Reviewed appraisals

Ran AUS as needed, DU or LP.

Communicated with the borrower for any additional documentation required.

Ocwen Financial/Contract

Feb 2023 to Dec 2023

Sr. QC Default Reverse Reviewer / Houston, TX

Reviewed claims for final submission to HUD utilizing Hermit.

Verified supporting documents for accuracy to ensure meeting HUD guidelines

Communicated with title companies and other third-party investors to obtain missing documentation.

Contract position that ended 12/23.

Guaranteed Rate

August 2021 to June 2022

Jumbo Underwriter, QM & Non-QM / Dallas, TX (Remote)

Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Evaluated loan applications for affordability and conformance with underwriting guidelines.

Multiple Investors, Chase, Bank of America, North Pointe, GR Portfolio, Wells Fargo Determined and documented loan conditions and communicated requirements and decisions.

Examined credit reports, financial statements and tax returns to determine repayment capability.

Companywide lay-off in all departments.

Home Pointe

October 2020 to August 2021

Sr. Underwriter / Dallas, TX (Remote)

Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Evaluated loan applications for affordability and conformance with underwriting guidelines.

Conventional, FHA, VA IRRRLS.

Determined and documented loan conditions and communicated requirements and decisions.

Examined credit reports, financial statements and tax returns to determine repayment capability.

Companywide lay-off due to merge.

Franklin American Mortgage

July 2019 to October 2020

Sr. Underwriter / Dallas, TX

Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Evaluated loan applications for affordability and conformance with underwriting guidelines

Determined and documented loan conditions and communicated requirements and decisions.

Examined credit reports, financial statements and tax returns to

Determine risks and offsets. Conventional, FHA, Jumbo Loans.

Resigned due to better opportunity at Home Pointe with VA designations, Wholesale and retail.

Fairway Independent Mortgage Corporation

March 2017 to March 2019

Sr. Underwriter / Dallas, TX

Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.

Evaluated loan applications for affordability and conformance with underwriting guidelines.

Conventional, FHA underwriter

Determined and documented loan conditions and communicated requirements and decisions.

Examined credit reports, financial statements and tax returns to determine repayment capability.

Lay-off due to west coast Wholesale division dissolved.

Redwood Trust

June 2016 to June 2017

Underwriting Team Lead/ Underwriter QM, Non-QM/Denver, CO

Improved team productivity by implementing efficient project management strategies and streamlining communication channels.

Reviewed pools for securitization, conventional and Jumbo, QM and non-QM. Weekly and monthly reports.

Led cross-functional teams for successful project execution while maintaining strong collaboration among team members.

Increased customer satisfaction by ensuring timely completion of projects and adherence to high-quality standards.

Resigned, had to move out of state, stayed on thru temp agency until replacement found.

Additional Experience:

6 yrs., Underwriter 4 Wells Fargo, PMB, Jumbo and Super Jumbo and QC, QM and Non QM

5 yrs., PMI Underwriter RMIC

2 yrs. Forensic Audit review

4 yrs. Custom Home Construction

Wholesale, Retail, Correspondent experience, QM and Non-QM.

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