Alicia G. Davis
Sr. Mortgage Underwriter - Remote
Chicago,IL
Summary
Seeking a position that offers professional challenges utilizing interpersonal skills, excellent time management, critical thinking and problem-solving skills. Seasoned Senior Conventional Mortgage Underwriter specializing in Mortgage Banking and Finance, offering more than 15 years of Frontline Underwriting experience to growing organizations. Highly adept in underwriting moderate to complex mortgage transactions. Dedicated Mortgage Banking professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Background Experience:
Underwriting of Conforming and Non-Conforming loans (Manual and AUS), Collateral (Appraisal), Review Self-Employment Income Analysis (Individual and Business), Credit Analysis, Due Diligence, QC Auditing Processing of Conventional and Government loans, Closing, Government Insuring GNMA/FHLMC pool certification for investor exceptions, note/mortgage modifications and shipping.
Overview
15
15
years of professional experience
2
2
Certification
Work History
Underwriter II - Remote
LOANDEPOT
Foothils, CA
10.2019 - 03.2022
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Reviewed applications for insurance coverage and reports to determine risks.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Met Production Goal: 2-3 new underwrites per day
- Condition review within 24 hours of notification
Compliance Underwriter - Remote
AMC
Tampa, FL
04.2018 - 09.2019
- Determined and documented loan conditions and communicated requirements and decisions
- Analyzed credit, income, and appraisals after the underwriting process for compliance requirements with loan investors
- Assisted with control loss by assessing risk, conducting detailed analysis and recommending solutions
- Met Production Goal: 3-4 Compliance Audits per day
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making compliance underwriting decisions
Sr. Underwriter - Onsite and Remote
MB Financial Bank, N.A
Chicago, IL
07.2013 - 01.2018
- Performed analysis of tax return financial statements involving underwriting integrity and income consistency
- Reduced loss by assessing risk, conducting income analysis and recommending solutions
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards
- Made decisions on acceptance, rejection or modification of mortgage loan approvals
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Sr. Contract MI Underwriter - Onsite
Radian - Serviced Multiple Clients
Chicago, IL
03.2007 - 07.2013
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Applied knowledge of underwriting guidelines to maintain compliance with regulations and company standards.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Reviewed applications for insurance coverage and reports to determine risks.
- Assisted senior team members with final loan closings and underwriting, coordination and submission of high profile loan underwriting packages
Consultant - Contract Supervisor
Chase Home Finance Emerging Markets
Chicago, IL
10.2006 - 03.2007
- Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
- Supported clients with business analysis, documentation and data modeling.
- Liaised with customers, management and sales team to better understand customer needs and recommend appropriate solutions.
- Authored detailed work plans to meet business priorities and deadlines.
- Analyzed problematic areas to provide recommendations and solutions.
Education
Northeastern Illinois University
Chicago, ILSkills
- Compliance and Post Closing Audits
- Automated Underwriting Systems
- Underwriting Understanding
- Lending Software Systems
- Closing Documentation
- Debt Ratios
- Managing Multiple Priorities
- Attention to Detail
- Critical Thinking
- Financial Data Analysis (Business Tax Returns)
- Creditworthiness Determination
Certification
- Certified Loan Signing System Agent
- Certified Notary Public
Timeline
Underwriter II - Remote
LOANDEPOT
10.2019 - 03.2022
Compliance Underwriter - Remote
AMC
04.2018 - 09.2019
Sr. Underwriter - Onsite and Remote
MB Financial Bank, N.A
07.2013 - 01.2018
Sr. Contract MI Underwriter - Onsite
Radian - Serviced Multiple Clients
03.2007 - 07.2013
Consultant - Contract Supervisor
Chase Home Finance Emerging Markets
10.2006 - 03.2007
Northeastern Illinois University
Quote
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Tony Robbins
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