Ataya Arnold
Summary
Gifted community relations professional knowledgeable about coordinating forms and records efficiently. Detail-oriented, methodical and attentive with analytical and well-coordinated approach. Proficient in Encompass, POS, FHA connection and Microsoft Office.
Overview
13
13
years of professional experience
Work History
Community Associate
Braesael Management Company
12.2022 - Current
- Monitored and documented By-laws and Covenants for communities
- Led group discussions and activities to meet different community needs.
- Approached issues proactively to best meet current and future community needs.
- Built partnerships with related organizations to develop support and gain greater attention for important issues.
- Represented organization in relations between staff and general public.
Senior Mortgage Loan Underwriter
Guaranteed Rate
03.2020 - 05.2022
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Monitored pipelines to track and log status of loans.
Conventional Mortgage Underwriter
Quicken Loans
05.2019 - 03.2020
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- 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.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Processed loan applications and monitored progress from start to finish.
Sr Correspondent Mortgage Underwriter
JP Morgan Chase
11.2011 - 08.2018
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Sr Loan Processor
PHH Mortgage
11.2010 - 11.2011
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
Education
High School Diploma -
Weatherford High School
Weatherford, TX06.1993
Skills
- Financial Statements
- Payment Collection
- Complex Problem-Solving
- Community Engagement
- Microsoft Office
- Budget Administration
- Email Correspondence
- Data Entry
- Property Maintenance
- Common Area Maintenance
- DE Certification
- VA IRRRL
Timeline
Community Associate
Braesael Management Company
12.2022 - Current
Senior Mortgage Loan Underwriter
Guaranteed Rate
03.2020 - 05.2022
Conventional Mortgage Underwriter
Quicken Loans
05.2019 - 03.2020
Sr Correspondent Mortgage Underwriter
JP Morgan Chase
11.2011 - 08.2018
Sr Loan Processor
PHH Mortgage
11.2010 - 11.2011
High School Diploma -
Weatherford High School