Amanda Harmer
Summary
Adaptable and analytical problem-solver with strong attention to financial detail. Well-versed in risk assessment and regulatory compliance, with proficiency in credit analysis and loan evaluation. Committed to driving sound lending decisions and ensuring financial stability. Professional mortgage underwriter prepared for this role with comprehensive experience in risk assessment, financial analysis, and loan approval processes. Skilled in team collaboration and achieving results, adaptable to changing needs and reliable. Strong analytical skills, attention to detail, and effective communication make valuable asset to any underwriting team.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter, AVP
Heartland Bank
04.2020 - Current
- Underwrote a diverse range of loan products such as Conforming, Government, QM and Non-QM Portfolio loans.
- Mentor and train Jr Underwriters, Processors and Loan Support staff as well as provide training for Loan Officer and LOAs
- Supervised direct reports as Underwriting Supervisor (2021-2024) during organization restructuring.
- Underwrite FHA, USDA, and VA loans sold on the secondary market
Senior Mortgage Underwriter
Victory Mortgage LLC/ Victory Community Bank
06.2017 - 04.2020
- Company Overview: (Acquired by Heartland Bank)
- Evaluate Conventional and Government loan applications from initial review to final decision.
- Correspondent and Retail Lending
- Recognized as Preferred Lender for Fischer Homes with expertise in new construction purchase financing.
- Maintain a48-hour turn time on new submissions and final reviews
- Communicate with Loan Processors, Closers, Loan Officers, Investors, Title agents and Builder to complete the loan process
- FHA / VA / USDA Certified Underwriter, June2017 to April2020
Senior Loan Underwriter
TATA CONSULTANCY SERVICES (TCS)
11.2014 - 06.2017
- Company Overview: Tata is a BPO providing mortgage operation services to major lenders in the US
- Mortgage Underwriter on the Huntington Bank project utilizing UNIFI and NetOx systems
- Reviewed conforming and portfolio mortgage loans including Purchase, Jumbo and Refinances
- Performed all tasks on this project from a remote location.
- Senior Mortgage Underwriter with $1.5 million signing authority on the Citi Bank Project
- Reviewed conforming refinance and purchase loans
- Responsible for review of Credit, Income, Assets, Title, Appraisal, Property Insurance, Mortgage Insurance and Closing Disclosures
Senior Mortgage Underwriter
JP Morgan Chase
02.2010 - 11.2013
- Review of retail conforming and portfolio mortgage loan applications including purchase and refinances
- From2-2010 to5-2012 worked as a Consumer Direct Loan Processor / NMLS Registered Collaborated directly with Consumers to complete the mortgage process
AVP and Senior Loan Processor/ Underwriter
Affinity Group Mortgage Services / Amerimac Mortgage Inc - Ohio Mortgage Broker
05.2007 - 02.2010
- Achieved preferred lender status with Keller Williams Greater Ohio Realty.
- Duties included processing and submitting Conventional, Sub Prime, FHA, Commercial, USDA and VA loans to wholesale and correspondent lenders
- Managed daily operations of staff, including 10 loan officers and support personnel.
- Built and developed relationships with lender operations staff, title companies and real estate agents as well as directly with the loan applicants
Loan Processor / Loan Closer / Jr Underwriter
Unlimited Loan Resources
01.2007 - 05.2007
- Sub-Prime lending
Senior Mortgage Consultant – Originator
Allegiant Mortgage Group
09.2006 - 12.2006
Senior Mortgage Underwriter II
New Century Mortgage Company
09.2005 - 09.2006
- Prime Lending Division / Conforming Investor
Senior Mortgage Underwriter II
Royal Bank of Canada
08.2004 - 09.2005
- Company Overview: RBC Mortgage Division
Senior Mortgage Underwriter II
Bank One
11.1997 - 08.2004
Skills
- Strong knowledge working with Encompass, Calyx, Desktop Underwriter/Originator, Loan Product Advisor, TOTAL Scorecard, GUS, Word, Excel, Microsoft Office, Outlook, Teams, and experience on several other origination platforms
- Worked remotely even prior to COVID19
Certification
FHA. VA and USDA
Timeline
Senior Mortgage Underwriter, AVP
Heartland Bank
04.2020 - Current
Senior Mortgage Underwriter
Victory Mortgage LLC/ Victory Community Bank
06.2017 - 04.2020
Senior Loan Underwriter
TATA CONSULTANCY SERVICES (TCS)
11.2014 - 06.2017
Senior Mortgage Underwriter
JP Morgan Chase
02.2010 - 11.2013
AVP and Senior Loan Processor/ Underwriter
Affinity Group Mortgage Services / Amerimac Mortgage Inc - Ohio Mortgage Broker
05.2007 - 02.2010
Loan Processor / Loan Closer / Jr Underwriter
Unlimited Loan Resources
01.2007 - 05.2007
Senior Mortgage Consultant – Originator
Allegiant Mortgage Group
09.2006 - 12.2006
Senior Mortgage Underwriter II
New Century Mortgage Company
09.2005 - 09.2006
Senior Mortgage Underwriter II
Royal Bank of Canada
08.2004 - 09.2005
Senior Mortgage Underwriter II
Bank One
11.1997 - 08.2004
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