Andrea L. Martin
Commercial Point
Summary
Highly skilled Underwriter with broad experience in assessing risk, analyzing financial documents and making informed decisions within the insurance industry. Demonstrate strong analytical skills, sound judgement and attention to detail. Known for ability to improve procedures and policies, resulting in increased efficiency and accuracy. Showcase significant contribution to previous employers through cost reduction and improved risk assessment strategies.
Overview
12
12
years of professional experience
Work History
Underwriter III – DE, SAR, FHLMC, FNMA (Remote)
Bayshore Mortgage Funding, LLC
Timonium
06.2019 - 09.2021
- Underwrote VA/FNMA/FHLMC loan applications.
- Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting VA and Fannie Mae loans.
- Responded to HUD and investor audits to maintain 98% investor purchase percentage for the bank.
- Developed strengths in risk assessment, income/credit analysis and documentation review.
- Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving business quality.
- Worked collaboratively with team members to drive deals to successful funding and close.
- Advanced cash-flow analysis of Individuals, S-Corps, C-Corps, Partnerships, Rental Properties, and Trusts.
- TPO underwriter responsible for customized service via one-on-one communication for specialized mortgage loans.
- Produced training tools for processing and underwriting.
Underwriter III – DE, SAR, FHLMC, FNMA (Remote)
Magnolia Bank
Elizabethtown
05.2018 - 06.2019
- Underwrote VA/FNMA/FHLMC loan applications.
- Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting VA and Fannie Mae loans.
- Responded to HUD and investor audits to maintain 98% investor purchase percentage for the bank.
- Developed strengths in risk assessment, income/credit analysis and documentation review.
- Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving business quality.
- Worked collaboratively with team members to drive deals to successful funding and close.
- Advanced cash-flow analysis of Individuals, S-Corps, C-Corps, Partnerships, Rental Properties, and Trusts.
Underwriter III/Analyst III – DE, SAR, FHLMC, FNMA, Reverse (Remote)
American Advisors Group
Orange
08.2017 - 05.2018
- Underwrote and Audited the Underwrite for Reverse and Government loan files to provide feedback and quality control.
- Managed Underwriting and Credit Help desk regarding loan restructures, program requirements, and compliance.
- Provided expertise in underwriting and processing procedures for all loan types during traditional mortgage trial program for the Reverse Mortgage Lender.
- Designed test case scenarios for FHA and VA mortgage loans to submit to third party fulfillment.
- Advocated for loan officers with third party vendor on loan level issues, compliance, and policy questions.
- Established good working relationships with key stakeholders, third party vendor employees, senior executives, and sales personnel.
- Provided Training Manuals, assistance, and information for multiple areas within the company and it’s vendors.
- Identified shortfalls and opportunities for loan processes to mitigate turn times and closings.
- Maintained and monitored active pipelines for all loan officers and communicated concerns with third party executives for positive client experience.
Underwriter III – DE, SAR, FHLMC, FNMA (Remote)
Peoples Bank
Westerville
10.2016 - 08.2017
- Underwrote FHA/VA/FNMA/FHLMC loan applications.
- Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting FHA, VA and Fannie Mae loans.
- Responded to HUD and investor audits to maintain 98% investor purchase percentage for the bank.
- Developed strengths in risk assessment, income/credit analysis and documentation review.
- Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving business quality.
- Worked collaboratively with team members to drive deals to successful funding and close.
- Advanced cash-flow analysis of Individuals, S-Corps, C-Corps, Partnerships, Rental Properties, and Trusts.
Underwriter III – DE, VA credit, FHLMC (Remote)
US Bank, Inc.
Cincinnati
09.2016 - 10.2016
- Underwrote FHA/VA/FNMA/FHLMC loan applications to specific investor guidelines and internal overlays.
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.
- Top 10% producing underwriter for the company.
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
- Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
- Resolved customer/account officer research requests using DocVelocity, LP and NetOxygen.
- Achieved 100% quality with no audit findings from Quality Control.
Government Underwriter III – FHA/DE, VA credit (Remote)
Primero Home Loans, LLC
Powell
05.2016 - 09.2016
- Underwrote FHA/VA/FNMA/FHLMC loan applications to specific investor guidelines and internal overlays as applicable.
- Reviewed and underwrote files to analyze for capacity, capital, and character for both purchase and refinance.
- Ensured all files meet product and policy restrictions.
- Reconciled customer tax documentation or other income documentation, and Financial Statements.
- Gained expertise in Encompass, DU, LP.
Government Underwriter III – FHA/DE, VA credit (Remote)
Flagstar Bank
Troy
07.2015 - 05.2016
- Underwrote FHA/VA/FNMA and FHLMC loans to investor guidelines and internal overlays.
- Maintained 100% quality with zero errors on all files while abiding by strict 3 day service level agreement.
- Top 10% producing underwriter for the entire bank.
- Ensured files met product and policy restrictions, or structured counteroffers as necessary.
- Comprehensively communicated loan decisions and provided follow up assistance.
- Reconciled customer tax documentation or other income documentation, and Financial Statements, per guidelines.
- Ensured that all files adhered to fair lending practices, Dodd-Frank, and net benefit requirements as outlined per Flagstar policy and government restrictions.
- Resolved customer/account officer research requests using Mortrac, DU, LP, IDM, and P8.
Senior Mortgage Underwriter
JP Morgan Chase
Columbus
04.2012 - 07.2015
- Underwrote FHA/VA/FNMA and FHLMC loan applications to specific investor guidelines and internal overlays as applicable.
- Top 10% producing underwriter (within a population of approximately 2600 underwriters).
- Evaluated submitted loans for capacity, capital, character and condition for the purpose of purchase, refinance, HARP, and assumption transactions.
- Responsible for mentoring and auditing test files to determine lending authority certifications.
- Resolved customer/account officer research requests using Zippy, DU, LP, iVault, CLOSR, HL-Federated.
Business Analyst Asset Based Lending Collateral Management
The Huntington National Bank
Columbus
05.2009 - 02.2012
- Monitored collateral for portfolio loan management totaling 290MM.
- Analyzed customer spending to ensure Account Receivable and Account Payable reports were consistent with the projections.
- Processed account payments and advances to be applied to Revolving Lines of Credit and monitored for NSF status daily.
- Reconciled Accounts Receivable, Accounts Payable, and Financial Statements on a weekly and monthly basis.
- Mitigated risk of exposure by ensuring proper assets allocation to Revolving Line of Credit.
- Assisted Collateral Management Auditors in verifying authenticity of consumer financials.
- Administered AssetReader, Ca-Doc view, Crystal reports, HOGAN, and Portfolio Management Tracking systems.
Education
Bachelor Degree - Business Management
University of Phoenix
03.2010
Associates Degree - Business Administration
American Intercontinental University
05.2006
Skills
- DE
- SAR
- FHLMC
- FNMA
- Reverse
- Credit & Income Analysis
- Cash-Flow Analysis
- Risk Assessment
- Loan-to-Value Ratios
- Debt-to-Income Ratios
- Conventional & Government Mortgages
- Conforming & Nonconforming Loans
- ARMs
- Loan Closing, Funding & Documentation
- Account Service Excellence
- Loan underwriting
- Compliance auditing
- Risk assessment
- Credit analysis
- Cash-flow analysis
- Mortgage processing
- Customer relationship management
- Regulatory knowledge
- Effective communication
- Problem solving
- Team collaboration
- Training development
- Industry trend analysis
- Detail orientation
- Time management
- Analyzing data
- Application review
- Loan approval & denial
- Property appraisal
- Renewing policies
- Quality assurance
- File analysis
- Building strong relationships
- Data interpretation
- Quality control
- Creditworthiness assessment
- Client relationship building
- Sales support
- Caseload management
- Net operating income formulation
- Risk management
- Developing policies
- Revenue generation
- Policy development
- Business development
- Data collection
- Underwriting guidelines
- Documentation review
- Underwriting calculations
- Trend analysis
- Asset statements
- Policy renewal
- Portfolio management
- Terms negotiation
- Freddie mac & fannie mae
- Loan evaluation
- Policy interpretation
- Managing risk
- Coverage determination
- Loss prevention
- Loss mitigation
- Negotiation proficiency
- Relationship building
- Risk mitigation
- Multitasking
- Reliability
- Explain company policies
- Legal compliance
- Problem-solving abilities
- Analytical thinking
- Agent support
- Active listening
- Professional demeanor
- Interpersonal skills
- Research skills
- Teamwork
- Project management
- Adaptability
- Adaptability and flexibility
- Regulatory compliance
- Task prioritization
- Relationship management
- Business acumen
Timeline
Underwriter III – DE, SAR, FHLMC, FNMA (Remote)
Bayshore Mortgage Funding, LLC
06.2019 - 09.2021
Underwriter III – DE, SAR, FHLMC, FNMA (Remote)
Magnolia Bank
05.2018 - 06.2019
Underwriter III/Analyst III – DE, SAR, FHLMC, FNMA, Reverse (Remote)
American Advisors Group
08.2017 - 05.2018
Underwriter III – DE, SAR, FHLMC, FNMA (Remote)
Peoples Bank
10.2016 - 08.2017
Underwriter III – DE, VA credit, FHLMC (Remote)
US Bank, Inc.
09.2016 - 10.2016
Government Underwriter III – FHA/DE, VA credit (Remote)
Primero Home Loans, LLC
05.2016 - 09.2016
Government Underwriter III – FHA/DE, VA credit (Remote)
Flagstar Bank
07.2015 - 05.2016
Senior Mortgage Underwriter
JP Morgan Chase
04.2012 - 07.2015
Business Analyst Asset Based Lending Collateral Management
The Huntington National Bank
05.2009 - 02.2012
Bachelor Degree - Business Management
University of Phoenix
Associates Degree - Business Administration
American Intercontinental University
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