Summary
Overview
Work History
Education
Skills
Timeline
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Amanda Doi

Frankfort,IL

Summary

Skilled Underwriting Professional adept at streamlining processes and increasing efficiency while meeting demanding benchmarks for productivity, risk control and customer satisfaction. Offering strong initiative, exceptional work ethic and disciplined approach. Ten years of experience in underwriting- including Non-QM, Non-Agency, Agency and supervisory roles. Seeking to leverage experience to take on a challenging long-term position as an underwriter with the chance for future advancement.

Overview

16
16
years of professional experience

Work History

Senior Jumbo/Non-QM Underwriter

Cross Country Mortgage
, Remote
02.2020 - Current
  • Underwrite various jumbo non-qm loan types including full-doc, bank statement, asset qualifier, investor cash flow, 1099 and foreign national programs
  • Analyze loan application, loan-to-value, debt-to-income ratio, credit report, income and asset documentation to ensure every loan meets investor and company standards
  • Complete complex income calculations- often involving multiple business entities and multiple real estate properties
  • Analyze and interpret profit and loss, balance sheets and other financial statements
  • Review and approve loans to close in trusts, LLCs- or with a power of attorney
  • Closely review loan documentation to identify red flags for misrepresentation or fraud
  • Communicate effectively with processing and loan teams to obtain necessary documentation for final approval
  • Read and interpret various investor guidelines and programs

Non-Agency Underwriting Supervisor

Chase
Downers Grove, IL
10.2016 - 12.2019
  • Responsible for managing team of Non-Agency UW III and IV to exceed company standards for productivity, quality and customer satisfaction
  • Resolved issues on highly escalated files through interaction with all levels of management across firm
  • Assisted staff with income calculations and review of financial statements for complex mortgage transactions
  • Developed skills of subordinates through goal setting, delegation, training, counseling and performance management
  • Maintained highest level underwriter designation within underwriting team
  • Motivated employees to improve performance through hands-on leadership, file reviews and proactive improvement planning
  • Well versed in FHLMC and FNMA guidelines, MI company requirements, DU and LP
  • Expert knowledge of tax returns, self-employment and investment income calculations

Senior Underwriter

Chase
Downers Grove, IL
09.2012 - 10.2016
  • Reviewed loan applications in compliance with all FHLMC and FNMA guidelines
  • Evaluated debt ratio, loan-to-value ratio, credit, income, assets, appraisal and other factors to ensure loan met program requirements
  • Completed income calculations and reviewed financial statements for complex mortgage transactions
  • Issued approvals, counter offers to alternate programs or denials if unable to identify an alternative program
  • Appropriately conditioned and cleared conditions on files ensuring SLA was met
  • Communicated loan decisions to appropriate partners
  • Exceeded targets for production, quality and customer satisfaction
  • Promoted to Underwriting Supervisor in October, 2016

Home Lending Consultant

Chase
Chicago, IL
01.2010 - 09.2012
  • Originated Conventional, Non-Agency, FHA and VA mortgage loans for assigned Chase financial centers- specifically the Lasalle Street and Union Station locations
  • Structured lending recommendations based on effectively uncover each client's individual needs and long-term goals
  • Submitted complete loan applications and applicable documentation to Chase underwriters for evaluation
  • Managed an active pipeline of loans to efficiently expedite the closing process and enhance the customer experience
  • Trained financial center employees on lending and credit basics in order to optimize referral opportunities
  • Developed referral relationships with local real estate agents, financial advisors and real estate attorneys
  • Organized and presented Home Buyer Workshops at the financial centers
  • Transitioned to Underwriting in September, 2012

Mortgage Consultant

Citibank
Chicago, IL
04.2005 - 06.2009
  • Originated Conventional, Non-Agency and FHA mortgage loans for assigned Citi financial centers- specifically the Magnificent Mile and Lincoln Park locations
  • Structure lending recommendations based on effectively uncovering each client's individual needs and long-term goals
  • Submitted complete loan applications and applicable documentation to Citi underwriters for evaluation
  • Managed an active pipeline of loans to effectively expedite the closing process and enhance the customer experience
  • Trained financial center employees on lending and credit basics in order to optimize referral opportunities
  • Developed referral relationships with local real estate agents, financial advisors and real estate attorneys
  • Presented homebuyer education an consumer credit workshops throughout the community through the Citi Bank at Work program

Education

Bachelor of Arts - Communications

Indiana University Bloomington
Bloomington, IN
2000

Skills

  • Goal-oriented
  • Strong communicator
  • Pipeline management
  • DU and LP
  • Manual underwriting
  • Complex tax returns
  • High-net worth clientele
  • Financial statements
  • Business analysis
  • Complex income analysis
  • Encompass Software Proficiency
  • Underwriting guidelines

Timeline

Senior Jumbo/Non-QM Underwriter

Cross Country Mortgage
02.2020 - Current

Non-Agency Underwriting Supervisor

Chase
10.2016 - 12.2019

Senior Underwriter

Chase
09.2012 - 10.2016

Home Lending Consultant

Chase
01.2010 - 09.2012

Mortgage Consultant

Citibank
04.2005 - 06.2009

Bachelor of Arts - Communications

Indiana University Bloomington

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Amanda Doi