Antoinette Al
Lutz,FL
Summary
Accomplished Mortgage Underwriter with a proven track record at HomeBridge Financial Services, Inc, showcasing expertise in documentation review and exceptional problem-solving abilities. Skilled in navigating residential mortgage lending regulations to include FNMA, FHLMC and Non-QM, consistently delivering accurate loan evaluations while maintaining high productivity levels. Demonstrates adaptability and a results-driven approach, significantly reducing fraud risks and ensuring compliance.
Overview
14
14
years of professional experience
Work History
Mortgage Underwriter
HomeBridge Financial Services, Inc
05.2015 - 08.2023
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Managed pipeline of loan applications, prioritizing tasks effectively to meet deadlines and maintain productivity levels.
- Maintained up-to-date knowledge of industry regulations and guidelines, ensuring compliance in all underwriting decisions.
Mortgage Underwriter
TCS Consulting
04.2014 - 04.2015
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Senior Mortgage Underwriter
Fifth Third Mortgage
04.2009 - 10.2013
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Managed pipeline of loan applications, prioritizing tasks effectively to meet deadlines and maintain productivity levels.
- Provided exceptional customer service, addressing inquiries from applicants and resolving issues promptly.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Education
High School Diploma -
Northeast High School
St. Petersburg, FLSkills
- Documentation Review
- Underwriting guidelines
- Residential mortgage lending regulations
- Adaptability and Flexibility
- Debt-to-Income Ratios
- Problem-solving abilities
- Automated Underwriting System (AUS)
- Multitasking Abilities
- Market Knowledge
- Appraisal review
Timeline
Mortgage Underwriter
HomeBridge Financial Services, Inc
05.2015 - 08.2023
Mortgage Underwriter
TCS Consulting
04.2014 - 04.2015
Senior Mortgage Underwriter
Fifth Third Mortgage
04.2009 - 10.2013
High School Diploma -
Northeast High School
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