ANNETTE L. GARBER
Spokane Valley,WA
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
11
11
years of professional experience
Work History
Mortgage Underwriter
Numerica Credit Union
06.2013 - Current
- Maintain DE and LAPP/SAR certification to endorse FHA and VA Loans.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Improved loan approval rates by meticulously reviewing and verifying application documentation.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
Mortgage Processing Manager
Horizon Credit Union
12.2012 - 06.2013
- Increased loan processing efficiency by streamlining workflow and implementing time-saving strategies.
- Managed a team of mortgage processors, ensuring accuracy and timeliness in all stages of the loan process.
- Reduced loan approval times by maintaining strong relationships with underwriters, appraisers, and other industry professionals.
- Developed comprehensive training programs for new mortgage processing staff, improving overall team performance.
- Collaborated with sales teams to develop effective strategies for increasing loan application volume.
- Served as a liaison between mortgage processing team and other departments, fostering collaboration to achieve company goals.
Education
High School Diploma -
West Valley High School
Spokane, WA06.1988
Skills
- FNMA/Freddie/FHA/VA Guidelines
- Residential Loans
- Residential Mortgage Lending Regulations
- Ethical Conduct
- Decision Making
- Problem Solving
- Time Management
- Attention to Detail
- Effective Communication
- Analytical and Critical Thinking
Timeline
Mortgage Underwriter
Numerica Credit Union
06.2013 - Current
Mortgage Processing Manager
Horizon Credit Union
12.2012 - 06.2013
High School Diploma -
West Valley High School