Mortgage Underwriter Loan Processing
Resume:
Nicole M. Lyons
San Tan Valley, AZ 85143
*********@*****.***
CAREER SUMMARY
Seasoned mortgage professional with at least 20 years of experience in the industry, including proficiency in FHA Connection and USDA’s GUS system. A trusted expert who has successfully navigated and adapted to significant regulatory, compliance, and technology changes in the mortgage landscape since 2008, demonstrating resilience, compliance acumen, and a strong commitment to evolving industry standards.
SKILLS & EXPERIENCE
• Expert in mortgage underwriting, loan risk assessment, and tax return analysis
• Proficient in AUS platforms (DU, LP), FHA Connection, and USDA GUS
• Deep understanding of loan processing, underwriting, and closing workflows
• Strong attention to detail with consistent delivery of high-quality, timely decisions
• Excellent critical thinking, communication, and time management skills
WORK EXPERIENCE
Senior Mortgage Underwriter III
LoanDepot – Chandler, AZ
November 2017 – May 2025
• Specialized in underwriting Jumbo loans, ensuring full compliance with investor and agency guidelines
• Performed comprehensive credit, income, asset, and collateral reviews to assess risk and determine loan eligibility
• Partnered with processors and loan officers to resolve complex scenarios and meet closing timelines
• Certified in FHA Direct Endorsement, USDA, and Manufactured Housing across all loan types (Conforming & Non-Conforming)
• Proficient in daily use of AUS platforms (DU, LP)
Senior DE Underwriter & Trainer
Caliber Home Loans – Chandler, AZ
August 2015 – October 2017
• Underwrote FHA, USDA, Conforming, and Non-Conforming loans, analyzing credit, income, assets, and collateral
• Utilized LoanBeam and H2O systems for income analysis and loan processing
• Reviewed conditions and issued approvals promptly, ensuring clear communication with all parties
• Supported training for underwriters in government and conforming loan authority levels
• Provided updates and guidance on FHA lending policies and procedures
Assistant Vice President – Senior Jumbo Mortgage Underwriter
Bank of America – Sandy, UT and Chandler, AZ
June 2011 – August 2015
• Served as AVP overseeing Jumbo loan underwriting, ensuring adherence to investor and internal credit policies
• Underwrote complex high-value loan files, including Non-Conforming and portfolio products
• Conducted in-depth analysis of borrower credit, income, assets, and collateral to assess loan risk
• Collaborated with internal teams and executive-level stakeholders to resolve escalated underwriting scenarios
• Maintained consistent compliance with regulatory and investor guidelines, delivering high-quality loan decisions within established SLAs
• Recognized for accuracy, risk management, and sound judgment on high-liability loan decisions
EDUCATION & TRAINING
• Completed quarterly continuing education with each employer, focused on compliance, regulatory updates, and product enhancements
• Bank of America training in Fraud, Income, Assets, Appraisals, and FHA underwriting standards
• Courses in RESPA, FHA regulations, and tax return analysis for mortgage underwriting
• Ongoing professional development in underwriting best practices and industry changes
PROFESSIONAL REFERENCES
Available upon request.
Contact this candidate