Anita M. Hart
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
15
15
years of professional experience
Work History
Mortgage Government Underwriter
First United Bank
09.2020 - Current
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Expanded product knowledge underwriting non-conforming, bond, and investor products.
- Top five in production while striving for high quality numbers.
Government Underwriter III
U.S. Bank
06.2017 - 09.2020
- Underwriting Agency, Jumbo/portfolio, FHA, VA, USDA and HFA mortgage loans
- Selected for FNMA advisory board 2019/2020
- Selected for Communications panel 2019/2020
- Top 1% Quality and Quantity 2018, 2019 & 2020
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Government Underwriter II
First United Bank Mortgage
12.2016 - 06.2017
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Underwriting Manager/ Underwriter II
Pacific Union Financial, LLC
05.2016 - 12.2016
- Completed FHA/DE Proficiency Exam and test casing - CHUMS obtained
- Obtained LAPP authority with current SAR
- Completed VA Credit Policy with 98% accuracy
- Managed team of 8 underwriters including Bond
Mortgage/Consumer Underwriter III
Wells Fargo
09.2012 - 04.2016
- Obtained VA Underwriting authority with SAR authority
- Obtained maximum Wells Fargo Conventional Underwriting authority in less than one year
- Over 90% quality consistently
- Service Excellence Award Winner 4th Quarter 2013 for going above and beyond on internal/external customer service
- Team and Service Excellence Award nominee three times in last year
- Created work flow and checklists for new-hires adopted at site (2013)
- Perform Team lead duties when required
- Worked to develop leadership/managerial skills via Accelerated Leadership Program
- Customer loyalty scores averaging above those required
- FACTA and Standard Work SME
- Lead on site Energy Crew/Employee engagement committee
Mortgage Underwriter, Home Services Specialist II
Bank of America
12.2009 - 09.2012
- Managed high-volume workloads, prioritizing tasks to ensure timely completion and quality results.
- Developed strong relationships with clients, fostering trust and loyalty through exceptional service delivery.
Skills
- Underwriting guidelines
- Regulatory compliance
- Residential mortgage lending regulations
- Strong work ethic
- Credit analysis
Timeline
Mortgage Government Underwriter
First United Bank
09.2020 - Current
Government Underwriter III
U.S. Bank
06.2017 - 09.2020
Government Underwriter II
First United Bank Mortgage
12.2016 - 06.2017
Underwriting Manager/ Underwriter II
Pacific Union Financial, LLC
05.2016 - 12.2016
Mortgage/Consumer Underwriter III
Wells Fargo
09.2012 - 04.2016
Mortgage Underwriter, Home Services Specialist II
Bank of America
12.2009 - 09.2012