Accomplished Reverse Mortgage Underwriter with a proven track record at Open Mortgage, LLC, enhancing loan processing efficiency and risk management. Expert in underwriting guidelines and adept at building strong broker relationships, significantly improving submission quality. Mentored teams towards achieving departmental goals, demonstrating exceptional analytical and interpersonal skills.
* Analyzed credit, income, compliance, title documents, and appraisals during underwriting process
* Documented underwriting decisions and provided evidence of compliance with applicable regulations
* Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions
* Made approval and denial recommendations by determining accurate risk levels
* Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents
* Mentored junior underwriters, providing guidance on best practices and improving overall team performance
*Determined and documented loan conditions and communicated requirements and decisions
* Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
* Review and evaluate information on loan documents to determine if borrower(s], property and loan conditions meet established company and FHA standards
* Review appraisal, credit report, application and other documentation to ensure each loan meets secondary market, investor and company standard's
* Determine whether loan documents are in compliance to standards and determine course of action
DE/FHA Underwriter 5/2005-6/2011:
* Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
* Examined, evaluated and recommended approval or denial of loan applications based off of company and FHA guidelines
* Reviewed appraisals for valuation of properties
Closing supervisor 10/2004-4/2005:
* Manage a staff of 7 in closing
* Advise and provide support for all team members
* Liason between closing and closing manager
Closer 4/1997-9/2004:
* Prepare closing documentation for closing attorney
* Assist closing attorney with any questions and/or problems with documentation
* Checked closing documents for accuracy and contacted closing attorney for corrections
* Prepared daily warehousing report for investors
* Assisted accounting with warehousing report