Highly experienced Mortgage Underwriter with strong knowledge of Fannie Mae and Freddie Mac underwriting guidelines for conventional loans. Proficient in underwriting to bond program guidelines as well as various construction lending programs. Several years experience underwriting non-conventional loans and second mortgage loans. Excellent knowledge of mortgage credit processing, strength in risk assessment, income, credit analysis and documentation review. Proven ability to perform quality work while maintaining productivity and compliance standards. High degree of accuracy and attention to details,in-depth product knowledge and hands-on customer service with demonstrated success of over 20 years of Banking Highly skilled Loan Specialist with expertise in data accuracy and security.
Hi, I’m
Amber Curry
Mortgage Underwriter
Covington,WA
Summary
Overview
27
years of professional experience
Work History
Axia Home Loans
Mortgage Underwriter
07.2016 - 10.2023
Job overview
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Responsible for underwriting mortgages and recommending loans for approval on all residential properties, including authorizing terms and conditions of residential commitment letters, conducting thorough credit investigations, obtaining and validating credit information, income confirmation and down payments.
- Use underwriting engines to review and analyze files on first and second mortgage loans for according to prescribed guidelines.
- Exercise good judgement, conduct reasonableness tests and issue quality decisions.
- Maintain established service level standard of decisions within 48hr time frame.
- Evaluate property valuation, loan-to-value ratios, debt-to-income ratios, income risk and credit risk.
- Participate in identifying potential challenges within underwriting process or department and make recommendations for changes to improve.
- Ensure loan submissions meet internal and external eligibility requirements.
- Balance need for loan-volume growth with equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
- Provide keen attention to detail in underwriting mortgages. Evaluate financial strength of borrowers to determine risk and repayment capacity.
- Leverage knowledge of loan products to help restructure turned-down loans for subsequent approvals while maintaining compliance with lending, underwriting and government requirements.
- Developed and maintained relationships with realtors, loan officers and loan processors to drive compliance with guidelines.
- Balanced competing priorities effectively to meet strict deadlines for multiple loan applications simultaneously.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
The Golden Curry
Bartender /Catering Manager
07.2017 - 01.2022
Job overview
- Regularly cleaned and sanitized bar area, beer lockers, refrigeration and storage areas.
- Mixed unique and interesting cocktails for customers, including bar specials.
- Followed alcohol awareness procedures for preventing excessive guest intoxication.
- Developed loyal clientele by consistently delivering outstanding service and engaging in friendly conversation.
- Practiced safe work habits, wearing protective equipment and consistently following MSDS and OSHA standards.
- Participated in promotional events, representing the establishment positively while showcasing signature cocktails.
- Kept bar presentable and well-stocked to meet customer needs.
- Supported special events through attentive service, adapting quickly to varying needs of guests or clients.
- Managed cash handling duties responsibly, ensuring accurate accounting at the end of each shift.
- Verified drinking age requirements of customers by carefully reviewing photo identification.
- Maintained impeccably clean, attractive and well-stocked bar area.
- Managed bar inventory, restocked supplies and placed orders for spirits, beer, wines, and mixers.
- Assisted with inventorying beverage stock and bar supplies.
- Prepared custom drink orders by accurately measuring and mixing house ingredients.
- Increased customer satisfaction by providing excellent service and crafting high-quality cocktails.
Loan Processor
Sammamish Mortgage
12.2012 - 01.2015
Job overview
- Evaluated and authorized approval or denial of borrower's credit and capacity to repay requested loan.
- Ensured accurate and complete packaging of loan documentation and expediting mortgage loan process.
- Evaluated creditworthiness of borrowers in order to render credit decision which includes but not limited to review of W2's,financial statements, tax returns, asset statements ,bank account statements, credit reports.
- Ordered and received all applicable loan document; performed document review of mortgage loan file for completeness.
- Trained new teammates on products and services
- Supported multiple tasks, with varying levels of complexity, importance and involvement.
- Kept clients up to date on status of their mortgage files
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Identified opportunities to cross-sell and upsell loan products to customers.
Boeing Employees Credit Union
Mortgage Representative
11.2010 - 12.2012
Job overview
- Proactively identified solutions for customers experiencing credit issues.
- Collaborated effectively with team members across departments for seamless communication during complex loan scenarios.
- Reviewed loan files and updated to match current standards.
- Participated in community events as a representative of the company, fostering goodwill and generating leads.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Stayed current on mortgage industry trends, adjusting sales strategies accordingly for increased success.
- Compiled closing packages for drafting and presentation accuracy.
- Provided exceptional customer service, addressing client questions and concerns quickly and professionally.
- Coordinated with real estate agents to ensure smooth transactions for mutual clients.
- Negotiated loan terms and conditions with customers to secure best deal.
National City Mortgage Company
Underwriter 2
12.2006 - 12.2007
Job overview
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Conducted ongoing market research to identify trends, enabling the company to adjust its product offerings as needed.
- Made approval and denial recommendations by determining accurate risk levels.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Supported business development efforts by providing data-driven insights and recommendations for product optimization and expansion opportunities.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Collaborated with other professionals to develop innovative underwriting solutions.
New Century Mortgage
Underwriter /Senior Account Manager
11.2005 - 10.2006
Job overview
- Spearheaded initiatives aimed at streamlining workflows between departments, leading to increased collaboration and efficiency across the organization.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Negotiated favorable terms with reinsures, resulting in improved coverage options at lower costs for clients.
- Participated in industry conferences and events, staying current on emerging trends and expanding professional network connections.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Calculated group and individual renewal rates based on customers' background, industry and demographic information.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
American Brokerage And Finance LLC
Senior Processor / Office Manager /Mortgage Loan Officer
03.1997 - 11.2005
Job overview
- Developed new processor programs and processes to streamline operations.
- Trained new production staff members on safe and efficient production procedures and proper machine operations.
- Proactively identified potential issues during file review stages before progressing further into the process pipeline.
- Collaborated with underwriters and loan officers to ensure smooth transactions, resulting in reduced closing times.
- Developed comprehensive training materials to onboard new processors quickly and efficiently.
- Managed high-volume workloads for timely and accurate completion of loan applications.
- Implemented quality control measures for consistent accuracy in documentation review and approval processes.
- Performed general equipment maintenance and repair to minimize downtime.
- Established positive relationships with clients based on trustworthiness and open communication channels throughout the entire lending experience.
- Collaborated with other departments to optimize production workflows.
- Mentored junior processors, fostering a supportive team environment that encouraged professional growth.
- Reduced processing errors by conducting thorough reviews and providing constructive feedback to team members.
- Increased customer satisfaction by promptly addressing concerns and providing clear communication throughout the application process.
- Updated processor systems with current software and hardware upgrades for optimized performance.
- Monitored processor performance and adjusted systems for smooth operation.
- Oversaw a team of processors, distributing workload efficiently while ensuring accuracy throughout all stages of the mortgage application process.
- Prepared reports and technical documentation of day-to-day production processes.
- Enhanced data security measures by implementing secure storage solutions and training staff on best practices for handling sensitive information.
- Developed strategies to streamline workflows and reduce redundancies within the processing department, leading to increased productivity levels.
- Maintained strict compliance with regulatory guidelines, preventing potential penalties or delays in processing.
- Streamlined processing procedures by implementing new software tools, increasing overall team efficiency.
- Conducted regular audits of loan files to identify areas for improvement and maintain high standards of performance.
Education
Green River Community CollegeAuburn, WA
Associate of Arts from Criminal Justice
05.2010
University Overview
Skills
- Fannie Mae, Freddie Mac, Various Bond Programs
- Encompass, Calyx Point, Byte, Encompass
- Detail-Oriented
- Excellent Oral and written Communication Skills
- Organizational and Time Management Skills
- Adaptable Problem Solver
- Risk Assessment
- Debt-to-Income Ratios
- Teamwork
- Income Evaluation
- MSP
- Loan to Value Ratio Calculation
- Loan Evaluation
- Professionalism
- Organizational Skills
- Eligibility Determination
- Creditworthiness Determination
- Multitasking
- Problem-solving abilities
- Decision-Making
- Database Management
- Loan Processing Coordination
- Attention to Detail
- Document analysis
- Financial History Review
- Client Counseling
- Asset Statements
- Bank Product Marketing
- Deep knowledge of bankruptcy processes
- Reliability
- Tax Liability Calculation
- Underwriting guidelines
- Credit History review
- Collateral Valuation
- Property Evaluation
- Residential mortgage lending regulations
- Complaint Handling
- Professional Demeanor
- Credit File Updating
- Problem-solving aptitude
- Property Inspection
- Regulatory Compliance
- Automated Underwriting System (AUS)
- Financial History Analysis
- Regulatory Disclosure Preparation
- Oral and Written Comprehension
Accomplishments
Accomplishments
Served eight years in the United States Army National Guard. Received the Army Achievement Medal and received the Honorable Soldier of the Year award twice throughout my enlistment. Received an honorable discharge after completing my eight year contract.
Similar Profiles
Amanda MillerAmanda Miller
Retail Operations Manager at Axia Home LoansRetail Operations Manager at Axia Home Loans
Karen RiceKaren Rice
Senior Loan Originator at Axia Home LoansSenior Loan Originator at Axia Home Loans
Elizabeth (Liz) SaucedoElizabeth (Liz) Saucedo
Manager at Axia Home Loans - BellevueManager at Axia Home Loans - Bellevue