Summary
Overview
Work History
Education
Skills
Timeline
Generic

Tamara Pettway

Lawrenceville,Ga

Summary

Astute and methodical Senior Mortgage Underwriter with significant background working with complex loan transactions. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.

Overview

17
17
years of professional experience

Work History

Senior Mortgage Underwriter III

BB&T Now Truist Bank
04.2011 - 10.2023
  • Jumbo Mortgage Underwriter up to 1 million in property value
  • Reduced loan processing time by implementing efficient underwriting practices and effectively collaborating with loan officers.
  • Mitigated risks associated with loan approvals, conducting thorough due diligence on borrower profiles and property valuations.
  • Collaborated with multiple departments for seamless loan approval process, ensuring all necessary information was accurately documented and communicated.
  • Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower's creditworthiness and risk factors.
  • Managed diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
  • Developed strong relationships with clients, realtors, and other stakeholders to facilitate smooth communication throughout the mortgage process.
  • Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
  • Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
  • Upheld data privacy standards by securely handling confidential client information during the underwriting process.
  • Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
  • Fostered positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Monitored pipelines to track and log status of loans.
  • Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
  • Expertise in Conventional, FHA, VA, LPA &, with strengths in risk assessment, income/credit analysis and documentation review
  • Commended for timely and accurate completion of compliant loan packages facilitating volume growth while giving perfect client experience to both interoffice and outside clients
  • Comprehensive knowledge of underwriting guidelines both internal and external
  • Restrictions for conventional and government-insured loan programs for both conforming and non-conforming mortgages
  • Risk fraud review related to processing and underwriting of loans
  • Conducted research using public records databases, credit reporting agencies and other reporting services
  • Work collaboratively with RSM's and Correspondents to drive deals to successful approval and funding.

Senior Mortgage Underwriter III

Liberty Mortgage Corp/BB&T Contracted Through RMIC
06.2006 - 04.2011
  • Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
  • Prioritized tasks and managed workload to accommodate busy periods to ensure deadlines are met and new touches are produced.
  • Provided meticulous attention to detail in underwriting mortgages and property evaluation. Evaluated the financial strength of borrowers to determine risk and repayment capacity.
  • Successfully spotted errors or inconsistencies to take steps to correct or re-work loans before they create problems.
  • Cross trained in other departments in order to gain additional knowledge and help where there were shortages to ensure successful outcomes.
  • Upheld data privacy standards by securely handling confidential client information during underwriting process.
  • Balanced competing priorities and managed high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality with meeting or exceeding 2 or more new underwrites.
  • Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
  • Verified integrity of applicants' information to minimize fraud.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.

Education

BA - Business Administration

TechnologySouth University
Savannah, GA
2016

Certified Paralegal -

National Center For Paralegal Training
Atlanta, GA
2000

Skills

  • Credit, Income Analysis & Cash-Flow Analysis
  • Risk Assessment
  • Conventional, Government Mortgages, ARMs
  • Optimum underwriting quality to minimize risk while maximizing profitability
  • Gained extensive experience in reviewing closed loans from FHA, VA, Fannie Mae, and Freddie Mac
  • Maintained compliance with lending and underwriting requirements
  • Demonstrated excellent follow-through with, loan processors, loan originators, RSM's And management throughout all phases of underwriting process
  • Computer Proficiencies: MS Word and Excel; Windows OS; Mac OS
  • Appraisal Property Evaluation
  • Attention to Detail
  • Complaint Handling
  • Automated Underwriting System (AUS)
  • Multitasking & Task Prioritization
  • Continuous Improvement
  • Interpersonal Communication
  • Analytical Thinking & Problem Solving
  • Effective Communication
  • Professionalism
  • Customer Service
  • Analytical and Critical Thinking
  • Organizational Skills
  • Multitasking Abilities
  • Oral and Written Comprehension
  • Active Listening and Learning
  • Data Entry & Database Management
  • Proficient in 10-key
  • Problem-solving aptitude
  • Adaptability and Flexibility
  • Fraud Detection Abilities

Timeline

Senior Mortgage Underwriter III

BB&T Now Truist Bank
04.2011 - 10.2023

Senior Mortgage Underwriter III

Liberty Mortgage Corp/BB&T Contracted Through RMIC
06.2006 - 04.2011

BA - Business Administration

TechnologySouth University

Certified Paralegal -

National Center For Paralegal Training

Similar Profiles

CREATE PROFILE
Tamara Pettway