April Lee
Wake Forest,NC
Summary
Top-notch Underwriter with solid thirty - plus years 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
32
32
years of professional experience
2
2
Certification
Work History
DE/SAR /LAPP Underwriter IV- Retail - remote
Paramount Residential Mortgage Group
11.2020 - 10.2023
- Proficient in automated underwriting systems such as Desktop Underwriter, Loan Prospector, as well as Encompass loan origination software and Blueprint
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- FHA Direct Endorsement authority, VA LAPP/SAR
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
DE/SAR /LAPP Underwriter- Retail - remote
Willow Bend Mortgage Company
01.2020 - 11.2020
- Maintain and manage NOV queue
- Assign NOV's to VA SAR underwriters for timely review of appraisals and issuance of NOV's
- FHA Direct Endorsement authority, VA LAPP/SAR
- Managed a portfolio of high-risk clients, implementing tailored underwriting guidelines to minimize losses while maintaining growth opportunities.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
DE/SAR /LAPP Underwriter – Retail - remote
CMG Financial
05.2019 - 12.2019
- Review, examine and underwrite various types of loans such as Agency, FHA, and VA, and various bond programs to ensure soundness, business value and compliance with company and investor standards
- Determine and document loan conditions and communicate requirements and/or decisions to processors and loan officers
- Complete detailed historical and projected financial analysis utilizing personal and business tax returns and financial statements
- Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications
- Review and analyze property appraisals for completeness and compliance
- Perform timely reviews of conditions and loan resubmissions
- Proficient in automated underwriting systems such as Desktop Underwriter, Loan Prospector, and Loan Scorecard as well as Byte loan origination software and Loan Beam
- FHA Direct Endorsement authority., VA LAPP/SAR
DE/SAR /LAPP Underwriter –Retail - remote
Homeside Financial
04.2018 - 05.2019
- FHA Direct Endorsement authority., VA LAPP/SAR
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
DE / SAR/LAPP Underwriter - remote
Corporate Investors Mortgage Group Inc.
02.2014 - 07.2017
- Act as a SME Subject Matter Expert in program and policy guidelines for agency and government loans
- Achieved faster turnaround times in application processing by optimizing workflows within the underwriting department.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
- FHA Direct Endorsement authority., VA LAPP/SAR
Education
Bachelor of Science in Business Administration -
Framingham State University
Framingham, MA06.1992
Skills
- Risk Mitigation
- Loss Protection
- Caseload Management
- Analyzing Data
- Risk Assessment
- Decision Making
- Financial Analysis
- Underwriting Guidelines
- Credit Analysis
- Problem Solving
- Attention to Detail
- Fraud Detection
References
Furnished upon request.
Certification
- FHA DE CHUMS T556 SINCE 1999
- VA LAPP/SAR 010640 SINCE 2001
Timeline
DE/SAR /LAPP Underwriter IV- Retail - remote
Paramount Residential Mortgage Group
11.2020 - 10.2023
DE/SAR /LAPP Underwriter- Retail - remote
Willow Bend Mortgage Company
01.2020 - 11.2020
DE/SAR /LAPP Underwriter – Retail - remote
CMG Financial
05.2019 - 12.2019
DE/SAR /LAPP Underwriter –Retail - remote
Homeside Financial
04.2018 - 05.2019
DE / SAR/LAPP Underwriter - remote
Corporate Investors Mortgage Group Inc.
02.2014 - 07.2017
Bachelor of Science in Business Administration -
Framingham State University
- FHA DE CHUMS T556 SINCE 1999
- VA LAPP/SAR 010640 SINCE 2001
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