Regulatory Compliance Credit Risk
Resume:
Elizabeth Morales
***************@*****.***
PROFESSIONAL SUMMARY
Bilingual DE/SAR Underwriter with a decade of specialized experience in residential mortgage underwriting and processing.
Expert in FHA, VA, USDA, Fannie Mae, and Freddie Mac guidelines, with a proven ability to assess credit risk, income stability, and property collateral across diverse loan products.
Demonstrated success in managing high-volume underwriting pipelines while maintaining strict compliance with investor and agency standards.
Skilled in issuing accurate and timely credit decisions based on detailed analysis of borrower qualifications, loan-to-value ratios, debt-to-income calculations, and documentation integrity.
Proficient in Encompass, DU, LP, and Microsoft Office Suite, with deep knowledge of underwriting systems and digital workflows.
Recognized for precision, speed, and regulatory adherence in underwriting decisions that support timely loan delivery and investor satisfaction.
Eager to leverage extensive underwriting expertise and return to full-time mortgage underwriting to support accurate, timely loan decisions and investor satisfaction.
Key Competencies: Loan Processing, Pipeline Management, FHA Guidelines, VA Guidelines, USDA Guidelines, Conventional Guidelines, DE Underwriting, SAR Underwriting, Risk Assessment, Credit Assessment, Income Analysis, Cash Flow Analysis, Regulatory Compliance, QC Audits, Encompass, DU, LP Systems, File Review, Final Submission, Condition Clearance, Pre-Close Review, Customer Communication, Agent Communication LICENSES & CERTIFICATIONS
Direct Endorsement (DE) – HUD/FHA Active CHUMS ID holder, authorized to underwrite FHA loans
Staff Appraisal Reviewer (SAR) – U.S. Department of Veterans Affairs Last active 2022
Texas Bond Programs – Texas Department of Housing and Community Affairs / Texas State Affordable Housing Corporation
PROFESSIONAL EXPERIENCE
Small Business Administration - CAFS Financial
Loan Specialist
February 2023 – September 2025
Reviewed and approved complex loan files under SBA guidelines as a Rule 2 Reviewer, ensuring regulatory compliance and file completeness.
Collaborated on special projects and assisted in training new team members to improve team efficiency and knowledge.
Responded to loan servicing inquiries from borrowers, title companies, and escrow agents, maintaining high customer satisfaction and timely issue resolution. Modern Mortgage - Various Affiliates
DE/SAR Underwriter
October 2015 – September 2022
Successfully underwrote FHA, VA, USDA, and Conventional loans within investor and agency guidelines.
Issued timely credit decisions based on analysis of borrower data, LTV, DTI, and collateral documentation.
Managed pipelines of commitments through final approval and closing for investor delivery.
Ensured consistent 24–48-hour turnaround on underwriting decisions, supporting loan delivery deadlines.
Modern Mortgage - Various Affiliates
Senior Processing Manager
July 2013 – October 2015
Managed a pipeline of 50+ loans while ensuring full RESPA compliance.
Cleared underwriting conditions and maintained frequent communication with agents and borrowers during pre-close review.
Ensured data accuracy for borrower and property details prior to final submission.
Trained and mentored junior processors, enhancing team productivity and compliance standard. Bank of Texas
Senior Processor
May 2012 – June 2013
Processed a high-volume pipeline of Conventional, FHA, VA, and USDA loans from submission to closing.
Verified underwriting conditions and coordinated with title companies, underwriters, and customers to meet strict deadlines. Consistently exceeded pipeline management and customer service performance metrics.
EDUCATION
Lanier High School
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