Mortgage Underwriter, Loan Processor Specialist & Commercial Insurance

Sheila Ganjei Underwriter/ Sr. Loan Processor

*************@*****.*** www.linkedin.com/in/sheila-ganjei 925-***-**** Concord, CA 94518 PROFESSIONAL SUMMARY

I am an experienced mortgage underwriter and loan processor with over 8 years of experience evaluating residential loan applications, analyzing credit risk, and ensuring compliance with conventional and government guidelines. I focus on reviewing financial documentation, identifying risks, and making clear, well-supported lending decisions. I manage high-volume pipelines, meet tight deadlines, and maintain quality scores above 97%. Regularly collaborating with loan officers and processors effectively, resolving documentation issues throughout my career, while keeping files moving efficiently. I’m also skilled in income calculation, document analysis, and supporting accurate and timely loan closings.

CORE COMPETENCIES

Underwriting &Credit Analysis, Risk Assessment, Income Analysis, Credit Review, Making Loan Decisions, Loan Processing, Document Management, Conditions Clearing, Closing Coordination, Systems & Tools, DU (Desktop Underwriter), LP (Loan Prospector), LQA, Early Check, Compliance & Operations, Regulatory Compliance, Quality Control, Workflow Prioritization, Collaboration, Cross-Functional Communication, Client Relations, Stakeholder Coordination PROFESSIONAL EXPERIENCE

Travelers — Walnut Creek, CA (Hybrid)

Operations Account Specialist I 2022 – 2026

Managed high-volume, multi-state accounts across the full policy lifecycle, including rating, quoting, issuance, and servicing

Quality control score exceeded 97% consistently while meeting strict service level agreements

While prioritizing time-sensitive, high-value accounts supported the top-producing account executive

Ensured accuracy, compliance, and risk mitigation while analyzing complex account data

Collaborated with internal teams and business partners to deliver timely, high-quality service Loan Depot — Remote

Mortgage Underwriter 2021 – 2022

Underwrote purchase and refinance mortgage loans in accordance with strict company and regulatory guidelines

Analyzed borrower financials, including income, assets, credit, and collateral, to assess risk and eligibility

Tax returns (personal and business), W-2s, pay stubs, appraisals, and all complex documentation were reviewed

Approvals, suspensions, and denials, with supporting conditions, were reviewed for issuing independent credit decisions

Underwriting requirements were clearly communicated to loan officers and processors promptly to ensure timely loan approvals

Resolved discrepancies efficiently by participating in internal audits and quality control reviews. Land Home Financial Services, Inc. Remote

Associate Underwriter 2020 – 2021

Reviewed the completeness, accuracy, and compliance of the loan files with underwriting guidelines regularly

Validated the borrower’s income, assets, credit, title, and appraisal reports on their documentation

Supported loan decisions by running and analyzing DU and LP findings

The loan status, conditions, and updates were communicated to both loan officers and internal teams

Integrity between the loan documentation and system records was maintained Bank of America — Concord, CA

Sr. Mortgage Loan Processor III / Home Service Specialist III 2016 – 2020

Processed a high volume of residential loan files, ensuring compliance with regulatory and investor requirements

Before closing, reviewed and verified loan documentation, ensuring accuracy and completeness

Cleared underwriting conditions and updated loan terms as needed

Resolved issues with titles, from liens, vesting discrepancies, and other legal matters

Coordinated closing activities, including subordinations and appraisal disputes

Served as liaison between clients, loan officers, realtors, and internal teams to ensure smooth transactions

New American Funding — Remote

Mortgage Loan Processor 2015 – 2016

Analyzed credit data and financial documents, assessing each borrower’s risk

Collected and reviewed documentation, ensuring compliance with investor guidelines

Efficiently managed loan files, while maintaining pipeline flow and meeting deadlines

Delivered excellent customer service through proactive communication and issue resolution Envoy Mortgage, Ltd., Walnut Creek, CA

Loan Originator Assistant 2015

Verified borrower qualification criteria while coordinating the loan documentation

Prepared disclosures and collected the required financial documentation

Assisted in closing preparation and ensured all conditions were satisfied RPM Mortgage — Orinda, CA

Loan Originator Assistant 2014 – 2015

Supported the loan origination process by managing documentation and client communication

Reviewed purchase agreements, tax returns, appraisals, and title documents

Maintained organized loan files and ensured the confidentiality of client information CERTIFICATIONS & LICENSES

California Real Estate License

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