Audrey Horn
Whittier,CA
Summary
Industrious senior underwriter skilled at meeting benchmarks for risk control and business profitability. Successful background working alongside agents to assist with marketing and sales objectives. Desiring to bring several years of related experience to a dynamic new role with room for advancement.
Overview
2025
2025
years of professional experience
Work History
Sr Underwriter
Village Capital Investment
Las Vegas, Nevada
07.2023 - 02.2025
- Reviewed loan applications for compliance and risk assessment.
- Evaluated borrower financial information for underwriting decisions.
- Communicated with clients to gather necessary documentation and clarifications.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Supported senior underwriters in analyzing complex financial scenarios.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Reviewed appraisals for accuracy before approving a loan package for submission.
Assistant Manager
ConAm Management
Irvine, California
09.2021 - 07.2023
- Facilitated property tours for prospective tenants to showcase available units.
- Managed leasing agreements and ensured compliance with company policies.
- Conducted market research to assess rental trends and pricing strategies.
- Collaborated with maintenance staff to address tenant concerns promptly.
- Developed marketing materials to promote available properties effectively.
- Worked closely with legal department on preparing documents required for eviction proceedings.
- Responded to inquiries from potential tenants via phone and email communication.
Sr Underwriter
Statewide Funding
Ontario, California
08.2021 - 08.2022
- Evaluated loan applications to assess risks and determine approval eligibility.
- Analyzed financial statements to ensure compliance with underwriting guidelines.
- Collaborated with sales teams to understand client needs and tailor solutions.
- Reviewed property appraisals for accuracy and valuation consistency.
- Prepared detailed reports summarizing underwriting decisions and risk assessments.
- Implemented process improvements to enhance underwriting efficiency and accuracy.
- Communicated with clients to clarify information and gather additional documentation.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Reviewed appraisals for accuracy before approving a loan package for submission.
- Monitored underwriters' workflows to boost accuracy, align procedures and improve efficiencies.
Underwriter III
Mr Cooper
Santa Ana, California
07.2018 - 03.2020
- Analyzed credit reports to determine borrower eligibility and loan terms.
- Collaborated with mortgage brokers to gather necessary documentation for underwriting.
- Reviewed property appraisals to assess market value and potential risks.
- Communicated decisions effectively to clients and internal teams regarding loan approvals.
- Managed workflow to ensure timely processing of mortgage applications.
- Utilized underwriting software to streamline assessment processes and improve efficiency.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
Sr Underwriter/Due Diligence Analyst
GreenBox
Los Angeles, California
04.2017 - 07.2018
- Evaluated insurance applications for risk assessment and policy issuance.
- Collaborated with agents to clarify underwriting requirements and guidelines.
- Analyzed financial statements to determine applicant creditworthiness and risk factors.
- Reviewed property valuations to establish accurate coverage amounts and terms.
- Mentored junior underwriters on industry standards and best practices.
Assistant Manager
ConAM Management
San Diego, California
- Assisted in managing daily operations and team schedules.
- Coordinated communication between staff and upper management effectively.
- Supported training initiatives for new employees in company procedures.
- Conducted regular inventory checks and maintained accurate records.
- Facilitated conflict resolution among team members to ensure harmony.
Education
Leuzinger High School
Lawndale Skills
- Loan processing
- Risk assessment
Timeline
Sr Underwriter
Village Capital Investment
07.2023 - 02.2025
Assistant Manager
ConAm Management
09.2021 - 07.2023
Sr Underwriter
Statewide Funding
08.2021 - 08.2022
Underwriter III
Mr Cooper
07.2018 - 03.2020
Sr Underwriter/Due Diligence Analyst
GreenBox
04.2017 - 07.2018
Assistant Manager
ConAM Management
Leuzinger High School