Mortgage Underwriting & Processing Manager
Resume:
**********@*****.*** Poughkeepsie
SUMMARY
Detail-oriented Mortgage Underwriter with over 10 years of experience in loan processing, underwriting, and team management across HELOC, Conventional, Portfolio, and Non-QM products. Proven ability to evaluate complex loan files, ensure compliance with stringent guidelines, and optimize pipeline flow for improved turn times and quality. Adept at leading high-performing teams and collaborating cross-functionally. Eager to leverage expertise in risk assessment and regulatory adherence to support loan quality and growth initiatives at Visio Lending.
WORK EXPERIENCE
Processing & Underwriting Manager
Walden Savings Bank •
11/2023 – 01/2026
Directed end-to-end processing and underwriting operations across multi-product portfolios for HELOC, Conventional, Portfolio, and Non-QM loan products. Ensured adherence to bank policy, investor standards, Non-QM guidelines, and all regulatory requirements. Built, coached, and led high-performing underwriting and processing teams to maintain optimal productivity and quality standards.
Partnered cross-functionally with compliance and executive leadership to align operational strategy with organizational risk management objectives.
Optimized pipeline flow, turn times, and quality metrics to support organizational risk tolerance and growth initiatives.
Senior Mortgage Underwriter
Lakeview Loan Servicing •
11/2020 – 11/2022
Evaluated complex loan files, meticulously assessing income, assets, credit history, and collateral valuation. Resolved underwriting conditions and issued compliant credit decisions, upholding stringent lending standards.
Mortgage Underwriter III
Wells Fargo Home Mortgage •
10/2019 – 11/2020
Underwrote residential mortgage loans in strict accordance with investor and agency guidelines. Contract Underwriter
Radian, LLC •
05/2019 – 10/2019
Performed comprehensive front-end underwriting reviews for conventional loans across a diverse range of JOANNE PHELAN
Mortgage Underwriter
clients.
Underwriting Manager
Bayview Loan Servicing •
10/2016 – 02/2019
Managed underwriting teams and advanced underwriting authority levels. Oversaw appeals, audit responses, and repurchase reviews, ensuring timely and accurate resolutions. Mortgage Underwriter
Bayview Loan Servicing •
03/2015 – 10/2016
Underwrote conventional and jumbo loans within delegated authority limits. Repurchase Underwriter (Contract)
Fannie Mae •
06/2013 – 03/2015
Conducted thorough due diligence reviews and generated accurate repurchase demands. Mortgage Underwriter III
Wells Fargo Home Mortgage •
04/2012 – 06/2013
Served as Head Underwriter for the New Construction Division; received the QIS Quarterly Quality Award. Inside Sales Manager
Bear Stearns •
08/2002 – 09/2007
Managed and developed a sales team comprising 35 mortgage professionals. SKILLS
REFERENCES
•
Processing & Underwriting Management HELOC Portfolio Conventional Non-QM Credit Risk Analysis Regulatory Compliance Pipeline Management Quality Control Audit Readiness FNMA FHLMC FHA VA USDA Encompass DU LP Calyx Point Team Leadership Mortgage Industry Non-QM Documentation Time Management Teamwork Proactiveness Microsoft Word Microsoft Excel Loan Document Analysis Compliance Risk Assessment Loan Quality Control Customer Service Cross-functional Collaboration Non-QM Loans DSCR Loans Calyx Point Mortgage Underwriting Loan Document Review Compliance Risk Assessment Fraud Detection Non-QM Loan Underwriting DSCR Loan Underwriting
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