Encompass
Armetta Hayes
Residential Mortgage Underwriter
Lampe,MO
Summary
Dedicated Residential Mortgage Underwriter with over 27 years of industry experience, specializing in the evaluation of Conventional, FHA, VA, and USDA loans. Direct Endorsement and VA SAR/LAPP certified, with comprehensive knowledge of Fannie Mae and Freddie Mac guidelines. Recognized for exceptional problem-solving abilities and a strong capacity to manage complex mortgage files while ensuring compliance with industry standards and enhancing operational efficiency.
Overview
27
27
years of professional experience
2
2
Certificates
Work History
DE SAR Residential Mortgage Underwriter
Hawthorn Bank
11.2021 - Current
- Reviewed and underwrote various types of loans including Conventional, FHA, VA, USDA, and Portfolio in-house loans
- Administered a mortgage underwriting email hotline, providing detailed responses to inquiries about loan scenarios, guidelines, and financial analysis
- Handled loan denials within the underwriting department, ensuring clarity and compliance in decision-making
- Assessed applicants' financial status, credit history, and property evaluations to determine loan viability and risk
- Conducted thorough risk assessments and ensured compliance with all programs
- Analyzed borrowers' creditworthiness, income, and asset documentation
- Utilized automated underwriting systems to evaluate loan eligibility
- Communicated underwriting decisions and conditions to loan officers and processors
- Stayed updated on regulatory changes and industry best practices.
Residential Mortgage Underwriter
Homepoint Financial
03.2021 - 11.2021
- Specialized in Nationwide Conventional underwriting
- Evaluated loan applications for adherence to company and investor guidelines
- Reviewed financial statements, credit reports, and appraisal reports
- Served as Team Lead, mentoring future underwriters on income calculations, guideline interpretation, and scenario resolutions
- Reviewed appraisals with a 4-5 rating, identified potential issues or inaccuracies, and recommended corrections or alternative comparables to improve appraisal accuracy and rating.
DE Residential Mortgage Underwriter
Guaranty Bank
03.2018 - 03.2021
- Underwrote both Conventional and Government loans
- Provided expert guidance and support to loan officers on loan structuring and credit evaluations
- Ensured strict adherence to company policies and industry regulations during the mortgage application review process
- Contributed to the team's success in achieving monthly loan production goals
- Collaborated with loan officers and processors to resolve application issues
- Monitored monthly pipelines and loan statuses to ensure timely processing and adherence to closing schedules.
Education
Bachelor of Science -
Southwest Missouri State University
Springfield, MOSkills
Underwriting guidelines
Documentation Review
Application Analysis
Property Inspection
Credit analysis
Residential mortgage lending regulations
Loan origination software
Collateral Valuation
Asset Statements
Problem-Solving
Income Evaluation
Automated Underwriting System (AUS)
Timeline
DE SAR Residential Mortgage Underwriter
Hawthorn Bank
11.2021 - Current
Residential Mortgage Underwriter
Homepoint Financial
03.2021 - 11.2021
DE Residential Mortgage Underwriter
Guaranty Bank
03.2018 - 03.2021
Bachelor of Science -
Southwest Missouri State University
Certification
HUD DE Certified
Software
Byte
Calyx
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Quote
“Success in the mortgage industry doesn’t come from cutting corners, but from the relentless pursuit of excellence and the unwavering dedication to helping people achieve their dreams of homeownership.”
Unknown