Antoinette Dent
Washington,DC
Summary
Detail-oriented mortgage underwriter with 7+ years of progressive experience across due diligence, Non-QM, and government-backed loans. Skilled in credit risk analysis, manual income calculations, and regulatory compliance with a proven ability to navigate complex borrower profiles and investor requirements. Background includes post-close loan audits, funding verification, and contract compliance within federal agencies such as USDA, DHS, and DoD. Known for balancing accuracy and efficiency in fast-paced environments. Active Top-Secret Clearance.
Overview
15
15
years of professional experience
Work History
Mortgage Underwriter
USDA
10.2024 - Current
- Independently underwrite 6–8 USDA mortgage loans daily, applying nuanced judgment to confirm income eligibility, credit strength, and rural property compliance.
- Lead resolution of complex borrower profiles by manually calculating income from tax returns, bank statements, and third-party documentation.
- Review loan submissions for funding readiness and cross-reference against federal loan program thresholds.
- Collaborate with CORs and budget leads to troubleshoot funding mismatches, contributing to 98% funding accuracy rate.
- Ensure files meet audit standards by proactively addressing documentation gaps and supporting internal quality control reviews.
Non-QM Mortgage Underwriter
Paramount Residential Mortgage Group - PRMG
12.2023 - 10.2024
- Managed a pipeline of 10–12 Non-QM loans weekly, including self-employed, DSCR, and asset depletion borrowers, applying scenario-based underwriting strategies.
- Reviewed layered-risk files, interpreting bank statement and P&L documentation to validate borrower capacity and assess loan salability.
- Flagged documentation inconsistencies early, reducing loan suspensions by 20% and improving same-day approval rates.
- Cleared 25+ loan conditions per week with a focus on speed and accuracy, resulting in improved pipeline movement and broker satisfaction.
- Supported QC feedback implementation by identifying submission trends and recommending changes to intake checklists.
Due Diligence Mortgage Underwriter
Covius
02.2014 - 12.2023
- Reviewed 80–100 post-close loan files monthly for due diligence checks, focusing on investor salability and documentation completeness.
- Verified borrower qualification against agency and investor standards, ensuring accurate income calculation, credit documentation, and LTV metrics.
- Audited TRID timing and closing disclosures, flagging over 300 compliance issues for correction across multiple loan pools.
- Escalated high-risk loans for further review, helping reduce investor repurchase exposure and supporting favorable audit results.
- Gained early exposure to LauraMac and industry tools while shadowing senior underwriters on file grading and compliance checks.
Federal Contract Compliance Specialist
Department of the Army
10.2010 - 10.2013
- Audited procurement and financial documentation supporting $100M+ in contract obligations, applying FAR and internal controls to improve readiness for federal audits.
- Conducted monthly reconciliations of appropriated funds and ULO reviews, identifying and correcting financial misstatements across FSMS and Excel trackers.
- Reviewed acquisition packages including IGCEs, 7600s, and PRs for completeness and compliance before approval and submission.
- Supported internal audit teams by providing compliant documentation packages and contributing to 30% reduction in questioned costs.
- Developed SOPs and reference tools to streamline compliance workflows and train junior staff on audit readiness practices.
Education
Psychology
University of Phoenix
Tempe, AZ03-2018
MBA - Business Administration
University of Phoenix
Tempe, AZ10-2014
Bachelor of Science - Psychology
University of Phoenix
Tempe, AZ10-2013
Skills
- Application analysis
- FNMA guidelines
- Income and Credit Analysis
- Jumbo and super jumbo loans
- MS Office 365
- Encompass
- LauraMac
- AUS DU/LP
- $1M Sign Off Authority
- Manual Underwriting
- LTV calculations
- Closing and Audit Readiness
- Pipeline Management
Timeline
Mortgage Underwriter
USDA
10.2024 - Current
Non-QM Mortgage Underwriter
Paramount Residential Mortgage Group - PRMG
12.2023 - 10.2024
Due Diligence Mortgage Underwriter
Covius
02.2014 - 12.2023
Federal Contract Compliance Specialist
Department of the Army
10.2010 - 10.2013
Psychology
University of Phoenix
MBA - Business Administration
University of Phoenix
Bachelor of Science - Psychology
University of Phoenix
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