ANGELA CARPENTER
Wylie,TX
Summary
Hardworking Conventional Underwriter with over 22 years of experience in the Mortgage Industry. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
22
22
years of professional experience
1
1
Certification
Work History
SENIOR CONVENTIONAL UNDERWRITER
Franklin American Mortgage Co., A Division Of Citizens Bank
04.2015 - 12.2023
- Underwrite conforming loans, Jumbo, high balance loans, multiple borrower loans, multiple property loans, self-employed and investment properties.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions per internal and Fannie and Freddie guidelines. Order and issue MI certs when necessary and clear conditions in a timely manner.
SENIOR MORTGAGE UNDERWRITER
FLAGSTAR BANK
10.2011 - 01.2014
- Selected to underwrite standard conforming loans, multiple borrower loans, multiple property loans, self-employed and high-risk investment properties
- Issued initial credit approval, denial and clear to close loan approvals
- Meet required quota of 7+ new loans per day that consisted of new loans and review of conditional approvals for loans already in process.
JUNIOR UNDERWRITER
FLAGSTAR BANK
01.2011 - 10.2011
- Underwrote average of 6+ loans per day
- Responsibilities included credit qualifying and analyzing income documentation, title and appraisals for the following: Standard conventional, self-employed borrower
- Issued initial credit approval, denials and cleared to close approvals
- Communicated effectively to parties involved in the transaction and worked with clients to meet production deadlines for not only my employer but for the other parties involved in the transaction.
ASSISTANT UNDERWRITER
FLAGSTAR BANK
10.2006 - 01.2011
- Responsible for assisting senior underwriters with analyzing income documentation, assets, title and appraisal for the following loan specifications: standard conventional and self-employed borrowers
- Issued conditional loan approvals, denials, and cleared to close approvals
- Cleared an average of 18+ conditions per day.
INSIDE SALES SUPPORT/ CUSTOMER SERVICE REPRESENTATIVE
FLAGSTAR BANK
12.2001 - 10.2006
- Assisted the sales team in all steps of originating loans, from registration through closing and servicing of the loan process
- Analyzed team errors and omissions and worked with the customers and sales staff to get the errors resolved
- Reviewed loan scenarios, underwriting guidelines and rate lock pricing with the customers.
Skills
- Industry Knowledge
- Time Management
- Organizational Skills
- Underwriting Guidelines
- Relationship Management
- Problem Solving
- Fraud Detection
- Teamwork Abilities
- Analytical Thinking
Certification
MBA Residential Underwriter Certificate: CRU Level 1, 09/2022
Timeline
SENIOR CONVENTIONAL UNDERWRITER
Franklin American Mortgage Co., A Division Of Citizens Bank
04.2015 - 12.2023
SENIOR MORTGAGE UNDERWRITER
FLAGSTAR BANK
10.2011 - 01.2014
JUNIOR UNDERWRITER
FLAGSTAR BANK
01.2011 - 10.2011
ASSISTANT UNDERWRITER
FLAGSTAR BANK
10.2006 - 01.2011
INSIDE SALES SUPPORT/ CUSTOMER SERVICE REPRESENTATIVE
FLAGSTAR BANK
12.2001 - 10.2006
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