Amy Horning
Credit Analyst
Fernandina Beach,FL
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with high net worth customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
12
12
years of professional experience
Work History
Senior Mortgage Loan Underwriter
Digital Risk
09.2021 - 05.2023
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and 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.
Senior Mortgage Loan Underwriter
Better.com
10.2020 - 03.2022
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Senior Mortgage Loan Underwriter
Bank Of America
01.2020 - 09.2020
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Assessed loan portfolios for compliance with underwriting policies.
Senior Mortgage Loan Underwriter
Digital Risk Mortgage Services
03.2014 - 01.2020
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Monitored pipelines to track and log status of loans.
Senior Mortgage Loan Underwriter
PHH Mortgage Services
02.2011 - 03.2014
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Verified integrity of applicants' information to minimize fraud.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Education
MBA - Business Administration And Management
University of Phoenix
Tempe, AZMaster of Arts - History
University of Georgia
Athens, GASkills
- Complex Problem-Solving
- Quality Control Processes
- Loan Product Knowledge
- Microsoft Office
- Variance and Risk Analysis
- Fraud Prevention and Detection
- Property Evaluation
Timeline
Senior Mortgage Loan Underwriter
Digital Risk
09.2021 - 05.2023
Senior Mortgage Loan Underwriter
Better.com
10.2020 - 03.2022
Senior Mortgage Loan Underwriter
Bank Of America
01.2020 - 09.2020
Senior Mortgage Loan Underwriter
Digital Risk Mortgage Services
03.2014 - 01.2020
Senior Mortgage Loan Underwriter
PHH Mortgage Services
02.2011 - 03.2014
MBA - Business Administration And Management
University of Phoenix
Master of Arts - History
University of Georgia
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