Amanda Martinez
Superior,Colorado
Summary
Talented Senior Mortgage Underwriter with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Epic Mortgage
03.2024 - Current
- Maintained a strong understanding of market trends and competitor offerings, allowing for the strategic positioning of products to attract new customers while retaining existing ones.
- Improved loan approval process efficiency by streamlining documentation and application procedures.
- Ensured compliance with federal regulations by maintaining up-to-date knowledge of lending guidelines and consistently updating company policies.
- Developed strategies for effective risk assessment, minimizing default rates on loans issued.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
High Risk Underwriter
Shift4 Payments
09.2022 - Current
- 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.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Assisted in developing training materials used to educate new hires on essential job functions, contributing to their successful onboarding and integration into the team.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Supported review and acceptance or denial of new or renewal business.
- Spearheaded initiatives aimed at streamlining workflows between departments, leading to increased collaboration and efficiency across the organization.
Senior Mortgage Underwriter
RMC Home Loans
01.2022 - 09.2022
- New Build
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Non-QM: Mainly 12 month Business bank statement, Alternative documentation, Asset depletion
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan applications, determining creditworthiness, assessing risk, and establishing loan conditions.
Senior Mortgage Underwriter
PRMG
03.2020 - 01.2022
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Mitigated risks associated with loan approvals, conducting thorough due diligence on borrower profiles and property valuations.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
Mortgage Underwriter
Finance Of America
07.2017 - 03.2020
- Approved or denied loans based on established criteria and underwriting guidelines.
- Non-QM - 12 months business bank statements HECM, Asset depletion.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Continuously sought opportunities for professional development, attending industry events and staying informed on regulatory changes that impact mortgage underwriting practices.
Closing Manager
Supreme Lending
12.2015 - 07.2017
- Prepared registers for closing shift and assigned team member positions while maintaining high level of guest service.
- Oversaw daily cash deposits ensuring funds were accounted correctly resulting in increased accuracy.
- Maintained a clean and organized store environment, upholding company standards for cleanliness during closing procedures.
- Implemented safety measures for the store''s end-of-day operations, reducing potential risks associated with late-night activities such as cash handling or locking doors securely after closeout is completed.
- Utilized checklists to stay organized and ready when guests arrived and completed management duties before closing.
- Collaborated with other department managers to address any operational issues, working together to find effective solutions.
- Ensured a smooth transition between shifts by effectively communicating with incoming managers and staff members.
- Managed employee performance reviews providing constructive feedback leading to higher team morale and improved performance.
- Reduced errors in financial transactions by thoroughly reviewing and verifying paperwork before submission.
- Trained new employees on proper closing procedures, setting them up for success in their roles within the organization.
- Monitored staff performance during closings, providing constructive feedback to ensure continuous improvement in efficiency and effectiveness.
Education
Associate of Arts - Business Management
Parks Junior College
Thornton, COSkills
- Loan Documentation Review
- Loan Underwriting
- Risk Mitigation
- Decision-Making
- Analytical and Critical Thinking
- Income Evaluation
- Creditworthiness Determination
- Document analysis
- Credit analysis
- Underwriting knowledge
- Attention to Detail
Certification
- FHA DE/CHUMS
- VA trained
- USDA
- Non-QM
- DSCR
- Reverse Mortgage
- DPA and Grants
- New Build
Timeline
Mortgage Underwriter
Epic Mortgage
03.2024 - Current
High Risk Underwriter
Shift4 Payments
09.2022 - Current
Senior Mortgage Underwriter
RMC Home Loans
01.2022 - 09.2022
Senior Mortgage Underwriter
PRMG
03.2020 - 01.2022
Mortgage Underwriter
Finance Of America
07.2017 - 03.2020
Closing Manager
Supreme Lending
12.2015 - 07.2017
Associate of Arts - Business Management
Parks Junior College
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