Mortgage Underwriter Regulatory Compliance

Tinaye Gandhle

Frisco, TX **********@*****.*** 469-***-****

Professional Summary

Results-oriented Mortgage Underwriter with 7+ years of experience reviewing high-volume loan portfolios and delivering accurate, compliant decisions. Proven track record of improving underwriting efficiency, mentoring new team members, and enhancing approval rates through risk-based evaluations. Technically proficient with AWS tools and Excel-based analytics, with a strong grasp of regulatory requirements and loan compliance standards.

Core Competencies

- Mortgage Underwriting & Risk Assessment

- Loan Compliance & Credit Evaluation

- Process Optimization & Time Management

- Financial & Data Analysis

- Appraisal & Document Review

- Regulatory Compliance (FHA, VA, Conventional)

- Excel & SQL for Financial Modeling

- Team Leadership & Training

- Cloud Technology (AWS Accreditations)

- Encompass Loan Origination System

Professional Experience

Mortgage Underwriter - Blue Melon Capital Jan 2021 – Present

- Underwrite and assess 50+ loan applications monthly for risk, creditworthiness, and policy compliance.

- Experienced in underwriting VA, FHA, and Conventional loans with full documentation and compliance.

- Utilize Encompass to manage end-to-end loan origination, documentation, and decision-making workflows.

- Reduced average decision turnaround time by 20% by optimizing underwriting workflows.

- Reassessed and restructured 15% of declined loans, resulting in an 8% increase in approval rates.

- Mentored five new underwriters, helping them reach full productivity within three months.

Mortgage Underwriter - Alliance Financial Jul 2017 – Jan 2021

- Surpassed underwriting targets by 15% while maintaining 99.5% accuracy in assessments.

- Regularly reviewed and processed VA, FHA, and Conventional loan files ensuring compliance with all federal lending regulations.

- Built custom Excel/SQL tools to streamline income calculation, boosting efficiency by 25%.

- Partnered with loan processors to reduce turnaround time by 30%, enhancing borrower experience.

- Used Encompass software to track documentation, identify red flags, and streamline loan decisions.

Education

Texas Southern University

Bachelor of Science – Biology

Certifications,

- All Lines Adjuster License – Texas and Florida

- AWS Partner Accreditations (Technical, Sales, Cloud Economics)

- Lean Six Sigma White Belt

- Project Management Essentials – Management and Strategy Institute

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