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Government and Conventional Underwriter

Charlotte, NC, 28216
60,000- 75,000 per year
September 09, 2008

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Abigail Messick

**** ******** ***** *****, *********, NC 28216

704-***-**** (Home) 704-***-**** (Cell)


To find a challenging position within the mortgage industry that utilizes both my training and talents to their best advantage.


·Excel at training and helping others at all levels to ensure organizational milestones are attained.

·Possess excellent customer service and organizational skills

·Excel at attaining tight deadlines

·Knowledge and ability to underwrite DU, Clout 2.0, LP, FHA, VA and Traditionally Underwritten loans


UNDERWRITER May 2005-Present

Pulte Mortgage Charlotte Service Center, Charlotte, NC

·Decision DU, Clout, LP, FHA, and traditionally underwritten loans

·Underwrite “RUSH” loans given out by the Operational Production Managers and Regional Operations Manager’s

·Meet and exceed company milestones for all underwritten loans

·Mentor co-workers in loan products, conditions, and the correct way to put a file together for underwriting

SR. LOAN PROCESSOR July 2004-May 2005

Pulte Mortgage Charlotte Service Center and Denver, CO offices

·Provided exceptional customer service to borrowers

·Decision DU, Clout, and some traditionally underwritten loans

·Maintain an active and organized pipeline of 150+ loans

·Turnaround “RUSH” loans within 24-48 hours of a decision from underwriting

·Meet and exceed company milestones for all pipeline loans· Maintain complete and accurate reports

·Mentor new employees

JR. UNDERWRITER July 2003-July 2004

Washington Mutual Bank, Englewood, CO

·Underwrite DU, LP, and traditional loans

·Clear and review conditions for loan approval

SR. PROCESSOR August 2002-July 2003

Washington Mutual Bank, Englewood, CO

·Provide excellent customer service to Brokers

·Maintain an active pipeline of 50+ loans closing in that month

·Lock in the interest rate when asked

SR. CLOSER December 2001-August 2002

Washington Mutual Bank, Englewood, CO

·Close loans in a timely manner

·Check the note, deed, HUD 1, Rescission Date on Refinanced Loans, and TIL for accuracy

·Coordinate with the couriers and title offices the time sensitive documents for closings

REVIEW APPRAISER'S ASSISTANT December 2000-December 2001

New Century Mortgage, Englewood, CO

·Review appraisals sent in by Brokers and Loan Officers for sub-prime loans

·Look-up Comps and maps to make sure appraisals are accurate

·Verify appraisers are licensed correctly

SR. BANK TELLER March 2000-December 2000

Academy Bank, Englewood, CO

·Provide outstanding customer Service

·Open new accounts for clients’

·Keep an accurate drawer total with no shortages

·Count and verify amounts in the vault


2006 Managers’ Appreciation Award,

2006 Out Standing Team Support Charlotte, NC

2005 Presidents Gold Award, 94.56% CSMS Maintained for the year of 2005Charlotte, NC


VA/ LAPP Certification, Department of Veteran Affairs On Line and Pulte Mortgage Charlotte, NC

FHA Certification, Capstone Institute of Mortgage Atlanta, GA

DU Certification, WAMU and Pulte Mortgage Englewood, CO

Clout Certification, WAMU and Pulte Mortgage Englewood, CO

LP Certification, WAMU and Pulte Mortgage Englewood, CO

Letters of recommendation available upon request

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