Mortgage Underwriter Customer Service

MARA LENTCHNER GADO

*** ******** ** · Charlotte, NC 28214

***********@*****.*** 347-***-****

PROFESSIONAL SUMMARY

Highly accomplished and solutions-driven Senior Mortgage Underwriter with over 15 years of experience delivering high-performing loans in both Retail and TPO environments.

Demonstrated success in managing risk, analyzing complex borrower profiles, and consistently exceeding underwriting quality and productivity standards. Known for exceptional customer service, collaborative team leadership, and strategic problem-solving.

CORE QUALIFICATIONS

20 years of credit analysis, financial data review, and sound judgment

Expert in analyzing personal and business tax returns, P&Ls, balance sheets

FHA DE Certified; CHUMS ID holder

Proficient in FNMA, FHLMC, FHA, VA, TX 50(a)(6) loans

Knowledge of regulatory reporting (Federal Reserve, OCC, SEC)

Audit, Compliance, Risk, and Testing experience,

Skilled in creating, executing, and documenting compliance testing

Excellent verbal, written, and interpersonal communication

Critical thinking and analytical expertise

Proven ability to manage high-responsibility roles with initiative and accountability

Strong organizational and prioritization skills

Effective relationship management; able to navigate difficult situations tactfully

Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)

In-depth understanding of financial services, including compliance and audit operations

Excellent communicator with strong analytical and organizational skills

Skilled in training, mentoring, and leading underwriting teams

Highly adaptable, detail-oriented, and customer-focused

Strong working knowledge of TRID, ATR/QM, Fair Lending, ECOA, and investor guidelines

TECHNICAL SKILLS

Microsoft Office Suite Encompass DocVelocity AIQ Magellan Black Knight Collateral

Underwriter Loan Collateral Advisor Loan Quality Advisor Loan Safe Fraud Guard

Mavent Appian LoanBeam Proficient in the Microsoft Office Suite with an emphasis on Excel

PROFESSIONAL EXPERIENCE

•Sage Financial — Senior Mortgage Underwriter

May 2025 – Present

•• Possess $1,000,000 individual credit authority

•• Evaluate complex mortgage loan applications, financials, and collateral reports

•• Conduct risk assessments and make final underwriting decisions within authority

•• Communicate effectively with processors and loan officers to resolve conditions

•• Ensure compliance with company policies and regulatory requirements

•• Underwrite an average of 20-30 complex loans per month including complex self-employed applicants with multiple businesses

•• Analyze self-employment documentation including tax returns, P&Ls, balance sheets, and asset documentation

•• Ensure loan files are thoroughly documented for marketability

•• Review underwriting exceptions per investor guidelines and company policies

•• Collaborate with Mortgage Loan Originators on restructuring applications

•• Manage pipeline and maintain communication with internal teams

•• Conduct due diligence reviews and produce underwriting reports

•• Understand credit rating agency requirements and servicing documentation

•Bank of America — Officer, Senior Consumer Underwriter

June 2022 – May 2025

•Ranked #3 in national underwriting performance (2024)

•Trained new hires and created underwriting tools (graphs, flow charts)

•Provided coaching to peers and collaborated on complex approvals

Recognized for analytics, quality, and customer communication

•Member of the Employee Engagement Team

•Audit, compliance and testing

•Strong working knowledge of TRID, ATR/QM, Fair Lending, ECOA, and investor guidelines

•Homepoint Financial — Senior Mortgage Underwriter

Sept 2020 – May 2022

•• Expertly underwrote FHA Streamline, VA IRRRLs, and conventional loan products in accordance with agency and investor guidelines

•Audit, compliance and testing

•• Analyzed complex self-employed borrower documentation

•• Maintained complete documentation in accordance with investor guidelines

•• Reviewed exceptions and collaborated with Loan Originators

•• Worked with brokers to restructure and close loans

•• Reviewed appraisals, titles, MI, POAs, and subordination agreements

•• Mentored junior underwriters and ensured compliance

•NewRez — Remote Mortgage Underwriter

March 2020 – August 2020

•• Held $2M signing authority; underwrote TX 50(a)(6) and conforming loans

•• Reviewed title, appraisals, and legal agreements

•• Collaborated with processors and loan officers to manage pipeline

•Quicken Loans — Senior Mortgage Underwriter

April 2019 – Feb 2020

•• First in class to pass audit; top performer in approvals

•• Closed 100+ loans per month, 8+ conditional approvals daily

•• Focused on customer satisfaction and creative loan restructuring

•RoundPoint Mortgage — Mortgage Underwriter II

Dec 2016 – Feb 2019

•• Top 5% underwriting performer; specialized in complex self-employed files

•• Conducted DU/LPA underwriting; coached new hires

•• Zero-error rate; managed multiple loan closings

•• Held FHA DE/CHUMS number

•Essent Guaranty — Contract Mortgage Underwriter

Aug 2016 – Dec 2016

•• Assessed mortgage insurance risk based on investor guidelines

•• Maintained communication with lender clients and ensured accuracy

•TATA Consultancy Services — Senior Mortgage Underwriter

April 2015 – July 2016

•• Underwrote First Mortgage and Home Equity loans per agency guidelines

•• Ensured regulatory compliance; reviewed credit risk and fraud flags

•• Led process improvements and supported junior underwriters

CERTIFICATIONS

•FHA Direct Endorsement (DE) Certification

•CHUMS ID Holder

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