Anesu Sithole
Underwriter
Princeton,TX
Summary
Results-driven Mortgage Underwriter with expertise in evaluating complex loan applications and ensuring compliance with industry regulations. Skilled in credit analysis, income verification, and collaborating with cross-functional teams to resolve discrepancies. Eager to leverage analytical skills and attention to detail to support efficient loan processing and risk management.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Non QM Mortgage Underwriter
AI Mortgage LLC
01.2024 - Current
- Evaluated loan applications for compliance with Non-QM underwriting standards and guidelines.
- Reviewed borrower documentation for accuracy and completeness to facilitate timely loan processing.
- Collaborated with loan officers to clarify borrower details and resolve discrepancies in applications.
- Conducted risk assessments to determine loan eligibility and minimize lender exposure.
- Utilized advanced analytical skills to assess unique income sources and complex financial situations.
- Maintained up-to-date knowledge of industry regulations and best practices to ensure compliance.
- Prepared detailed underwriting reports to present findings and justify lending decisions.
- Communicated underwriting decisions effectively to borrowers, ensuring clarity in loan terms and conditions.
- Coordinated with title and appraisal teams to verify property valuations and title integrity.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Receivable Operations
JPMC
02.2023 - 12.2023
- Preparing batches of work by removing payments and forms from envelopes
- Inputting data into the system while following standard operating procedures and customer-specific instructions for processing.
- Operating high-speed imaging equipment
- Verifying checks through customer-specific instructions for processing
- Matching check images to corresponding material while validating the quality of images.
- Contributing to meeting team goals in addition to individual responsibilities
- Working in all areas/departments of production as needed
- Making judgment calls regarding routine duties but refer non-routine situations to a supervisor and/or manager.
Flex Credit Analyst
Premier Talent Group - San Francisco, CA
01.2022 - 01.2023
- Conducted thorough analysis of financial statements, assessment of credit requests including new requests, changed requests, refinancing and annual due diligence.
- Reconciled credit files and identify discrepancies and variances.
- Performed business financial statement analysis with complex income and tax return analysis.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
Non – QM Underwriter
Athas Capital Group
01.2021 - 12.2022
- Accurately evaluated and manually underwrote Purchase and Refinances for Investment Properties submitted by retail and wholesale production channels and those held in entities i.e. LLCs and Trusts and Foreign Nationals.
- Underwrote Full doc loans, BP DSCR, BP No DSCR, Bridge Non Owner Occupied.
- Liaised with AE's, gathering information to base and defend underwriting decisions.
- Identified and implemented opportunities to reduce costs for customers.
- Analysis of income, assets, credit review via all 3 bureau's, title, and collateral information.
- Self Employed Income Calculations.
- Render independent decision based on Company's guidelines and policies.
- Complete required checklists and worksheets.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Recognized by management for providing exceptional work.
Loan Processor- Underwriter
Consolidated Loans
09.2018 - 06.2020
- Evaluated loan applications for accuracy and completeness, ensuring adherence to company policies.
- Collaborated with underwriters to clarify documentation requirements and expedite loan processing.
- Prepared and submitted loan files, maintaining organized records for efficient retrieval and processing.
- Conducted risk assessment analysis to identify potential issues in loan applications.
Regional, Relationship Coordinator
Genesis Financial Solutions
02.2014 - 08.2018
- Maintained comprehensive knowledge of industry trends to provide relevant guidance to clients regarding best practices in their respective fields.
- Assisted in the development of targeted marketing campaigns to increase client engagement and acquisition rates.
- Played a key role in retaining high-value clients by providing exceptional support and consistently exceeding their expectations.
- Coordinated events and meetings, ensuring seamless execution and fostering stronger client connections.
- Built strong rapport with clients through consistent follow-up communications and personalized outreach initiatives.
- Facilitated relationship-building activities such as networking events, workshops, and seminars, expanding the company's reach within the market.
Education
Associate of Arts - Tourism And Hospitality Management
British College of Professional Management UK
Southend, UK05-2011
Skills
- Encompass, Lending QB, Salesforce, Power BI, Microsoft Office
- Underwriting guidelines, Loan Documentation and Credit Analysis Review
- Income verification and DTI Ratios
- Foreign National Loans
- FHLMC guideline proficiency
- Attention to detail
- Critical Thinking and Problem-solving
- Teamwork and collaboration
- Multitasking
- Excellent communication
Certification
Fundamentals of Predictive Project Management
- Identify the key processes and requirements of project management.
- Initiate a project.
- Use a Predictive approach to plan for time and cost.
- Use an Adaptive approach to plan a project.
- Plan for project risks, communication, and change control.
- Manage the execution of a project.
- Close a project.
Timeline
Non QM Mortgage Underwriter
AI Mortgage LLC
01.2024 - Current
Receivable Operations
JPMC
02.2023 - 12.2023
Flex Credit Analyst
Premier Talent Group - San Francisco, CA
01.2022 - 01.2023
Non – QM Underwriter
Athas Capital Group
01.2021 - 12.2022
Loan Processor- Underwriter
Consolidated Loans
09.2018 - 06.2020
Regional, Relationship Coordinator
Genesis Financial Solutions
02.2014 - 08.2018
Associate of Arts - Tourism And Hospitality Management
British College of Professional Management UK