Barbara Davaidson
Xenia,OH
Summary
Detail-orientated professional with proven track r5ecor5d of success. Skilled in utilizing data analysis to evaluate and assess risk potential and interpret underwriting guidelines to meet company objectives. Adept at troubleshooting and resolving complex issues. Reliable with a good work ethic and the ability to quickly adapt to new tasks and enviornments.
Overview
8
8
years of professional experience
Work History
Sr. Underwriter
Stockton Mortgage
06.2024 - Current
Review and analyze complex loan applications for residential mortgage loans, utilizing knowledge of underwriting guidelines to ensure compliance with investor standards for all loan products including Conventional, FHA/VA, Housing Bond Loans, Chenoa, One Time Close, Build on own lot, USDA & 203k Loans, Manufactured homes
Assist collateral review for appraisals processed under VA/LAPP, FHA program when requested
Analyzed financial statements, tax returns, credit reports, title documents, appraisals and other related documents to determine borrower's ability to repay loan
Sr. Underwriter
Cardinal Financial Co
06.2019 - 10.2023
Review and analyze complex loan applications for residential mortgage loans, utilizing knowledge of underwriting guidelines to ensure compliance with investor standards for all loan products including Conventional, FHA/VA, Housing Bond Loans, Chenoa, One Time Close, Build on own lot, USDA & 203k Loans, Manufactured homes
Assist collateral review for appraisals processed under VA/LAPP, FHA program when requested
Analyzed financial statements, tax returns, credit reports, title documents, appraisals and other related documents to determine borrower's ability to repay loan
Sr. Underwriter
Cross Country Mortgage
08.2017 - 03.2019
Review and analyze complex loan applications for residential mortgage loans, utilizing knowledge of underwriting guidelines to ensure compliance with investor standards for all loan products including Conventional, FHA/VA, Housing Bond Loans, Chenoa, One Time Close, Build on own lot, USDA & 203k Loans, Manufactured homes
Assist collateral review for appraisals processed under VA/LAPP, FHA program when requested
Analyzed financial statements, tax returns, credit reports, title documents, appraisals and other related documents to determine borrower's ability to repay loan
Sr. Underwriter
Supreme Lending
08.2016 - 08.2017
Review and analyze complex loan applications for residential mortgage loans, utilizing knowledge of underwriting guidelines to ensure compliance with investor standards for all loan products including Conventional, FHA/VA, Housing Bond Loans, Chenoa, One Time Close, Build on own lot, USDA & 203k Loans, Manufactured homes
Assist collateral review for appraisals processed under VA/LAPP, FHA program when requested
Analyzed financial statements, tax returns, credit reports, title documents, appraisals and other related documents to determine borrower's ability to repay loan
Skills
Data Anaylsis
Time Management
Sales Support
Credit application review
Reviewing for risk exposure
Quality control
Guideline Knowledge
Government lending
Pipeline management
VA LAPP-Staff Appraisal Reviewer- June 2005
FHA HUD Direct Endorsement Underwriter-September 2001
Timeline
Sr. Underwriter
Stockton Mortgage
06.2024 - Current
Sr. Underwriter
Cardinal Financial Co
06.2019 - 10.2023
Sr. Underwriter
Cross Country Mortgage
08.2017 - 03.2019
Sr. Underwriter
Supreme Lending
08.2016 - 08.2017
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