Underwriting Associate Candidate with Mortgage Expertise
Resume:
SUZANNAH MATTSON
************@*****.***
Objective:
Detail-oriented mortgage lender and real estate agent with over 24 years of experience in the financial services industry, seeking to transition into a mortgage underwriter role. Proven expertise in assessing loan applications, analyzing financial documents, and ensuring compliance with lending guidelines. Eager to leverage extensive industry knowledge, strong analytical skills and a comprehensive understanding of real estate finance to contribute to a dynamic underwriting team. Summary of Qualification:
- Over 20 years of experience in the mortgage industry, including roles as a loan oƯicer assistant, producing branch manager, mortgage broker and new loan oƯicer mentor.
- Extensive knowledge of evaluating borrower financials, including income, assets, credit history and debt to income ratios to determine eligibility
- Extensive knowledge of loan structuring and compliance
- Extensive knowledge analyzing self-employment income
- Extensive knowledge originating FHA, VA and USDA loans according to underwriting guidelines
- Extensive knowledge in Non-QM products including DSCR, Bridge, Fix and Flip, Commercial and Jumbo
- Excellent communication, negotiation, and problem-solving skills.
- Proven ability to work well under pressure and meet tight deadlines.
- Detail-oriented and highly organized, ensuring accuracy and eƯiciency in all processes. Skills:
- Assist clients in securing suitable mortgage loans by evaluating their financial situation, credit history, and loan requirements.
- Collaborate with lenders to negotiate competitive interest rates and loan terms.
- Prepare and review loan documents, ensuring compliance with regulations and NEXA Mortgage’s standards.
- Self process my own loan files with several diƯerent wholesale lenders
- Conduct thorough market research to stay up-to-date with current mortgage rates and industry trends.
Professional Experience:
1. Mortgage Broker – NEXA Mortgage, Windsor, CO (December 2019 Present) 2. Real Estate Agent – LPT Realty, Windsor, CO (January 2024- present) 3. Real Estate Agent – Resident Realty, Windsor, CO (September 2023 – January 2024) 4. Loan OƯicer – Movement Mortgage, Colorado Springs, CO (February 2019 – December 2019)
5. Producing Branch Manager – Caliber Home Loans (formerly Cobalt Mortgage), Colorado Springs, CO (April 2012 through February 2019)
6. Mortgage Loan Originator – Wells Fargo Home Mortgage, Colorado Springs, CO (August 2006-April 2012)
7. Loan OƯicer Assistant – Wells Fargo Home Mortgage, Colorado Springs, CO (March 2001-August 2006)
Education:
BSBA
Licensed Mortgage Broker
Licensed Real Estate Agent
Certified Relocation Professional
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