April Watson
Watkinsville
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage Underwriter. Proven expertise in identifying unacceptable risk and preventing fraud. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
27
27
years of professional experience
Work History
Mortgage Underwriter
Bank Of England Mortgage
08.2020 - Current
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- 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.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Mortgage Underwriter
First American Bank & Trust
07.2011 - 08.2020
- Underwrite conventional, jumbo and portfolio loans to meet investor, agency and bank requirements
- Continue to review, analyze and implement changing guidelines and regulations
- Effectively communicate with sales and processing staff to address underwriting questions and scenarios
Mortgage Consultant Sales Assistant
Wells Fargo Home Mortgage
09.2010 - 07.2011
- Disclose, process, and submit files for underwriting and quality control
- Ensure compliance with internal regulations as well as state and federal regulations
- Assist operations staff with any issues or requests on loans in active pipeline
Loan Specialist II/Underwriting Specialist
Countrywide Home Loans
06.2006 - 04.2009
- Responsible for loan processing and underwriting in accordance with company policy and procedures
- Credit and collateral underwriting authority up to conforming loan limits on conventional loans
- Ensure compliance with internal regulations as well as state and federal regulations
Mortgage Processor
Main Street Bank
04.2005 - 04.2006
- Assist Production Branch Manager in day to day operations and administration of branch
- Provide administrative and management support for production branch, acting as liaison externally with business partners and internally with operations center, human resources, purchasing, and several other departments and entities within the company
Senior Processor
Athens First Bank & Trust/Synovus Mortgage
10.1997 - 12.2004
- Prepare and process conventional, FHA and VA mortgage loans using multiple automated underwriting systems for multiple investors, ensuring quality control and government compliance; Process loans using alternative lending products such those offered through Ginnie Mae (GMFS)
- Work closely with closing attorneys regarding title, preparation of closing documentation and funding for mortgage loans
- Responsible for compliance review for RESPA and HMDA requirements for all closed loans
Education
Health Administration
Athens Technical College
Athens, GA2010
Business
University of Georgia
Athens, GA1994
Skills
- Underwriting Processes
- Document Control
- Data Integrity
- Credit History Review
- Underwriting Guidelines
- Teamwork and Collaboration
- Loan Evaluations
- Appraisal Reviews
- Loan Product Knowledge
- Analytical and Critical Thinking
- Proficient with Encompass
Timeline
Mortgage Underwriter
Bank Of England Mortgage
08.2020 - Current
Mortgage Underwriter
First American Bank & Trust
07.2011 - 08.2020
Mortgage Consultant Sales Assistant
Wells Fargo Home Mortgage
09.2010 - 07.2011
Loan Specialist II/Underwriting Specialist
Countrywide Home Loans
06.2006 - 04.2009
Mortgage Processor
Main Street Bank
04.2005 - 04.2006
Senior Processor
Athens First Bank & Trust/Synovus Mortgage
10.1997 - 12.2004
Health Administration
Athens Technical College
Business
University of Georgia
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