Benedicte Pendergras
Austin,TX
Summary
Highly qualified dedicated mortgage professional with 24 years of combined experience in the industry, a positive attitude and great understanding of the mortgage challenges.
Overview
23
23
years of professional experience
Work History
Mortgage Underwriter
Eustis Mtg
New Orleans, LA
06.2021 - 04.2022
- Remote Underwriter responsible for loan decisions and 2nd level review on DPA and bond loans in TX, TN, LA, IN.
- Performed required tasks applying knowledge and understanding of established guidelines and regulations,
- Reviewed loan data and supporting documentation for completeness and accuracy,
- Evaluated credit worthiness, repayment ability and risk associated with borrower's credit profile as well as collateral's acceptability.
- Communicated with processors, closers, sales teams & other departments involved in the loan process.
- Balanced the need for loan volume growth and underwriting quality, using prudent underwriting judgement.
Mortgage Underwriter
Cornerstone Home Lending, Inc.
Houston, TX
08.2010 - 05.2021
- Remote Underwriter responsible for loan decisions in Texas as well as other states when needed.
- Performed required tasks applying knowledge and understanding of established guidelines and regulations,
- Reviewed loan data and supporting documentation for completeness and accuracy,
- Evaluated credit worthiness, repayment ability and risk associated with the borrower's credit profile as well as collateral's acceptability.
- Communicated with processors, closers, sales teams & other departments involved in the loan process.
- Balanced the need for loan volume growth and underwriting quality, using prudent underwriting judgement.
Senior Mortgage Processor
Cornerstone Home Lending, Inc.
Austin, TX
08.2006 - 07.2010
- Performed all aspects of mortgage loan processing for conforming FNMA and FHLMC, FHA, USDA, VA, Bond and DPA programs,
- Coordinated with all parties to the loan transaction,
- Managed monthly pipeline.,
- Maintained client database & contact management software.
Senior Mortgage Processor
CS Mortgage, Inc
Austin, TX
08.1998 - 07.2006
- Performed all aspects of mortgage loan processing for conforming FNMA and FHLMC, FHA, USDA, VA, Bond and DPA programs,
- Coordinated with all parties to the loan transaction
- Managed monthly pipeline
- Maintained client database & contact management software.
Education
Master of Law - Law
University of Paris - Malakoff
Paris, FR06.1998
Master of Law - Law
Ecole Du Notariat De Paris
Paris, FR06.1995
Skills
Loan program: Conforming FNMA, FHLMC, FHA, USDA, VA (Credit only) and Texas bonds/ DPA programs underwriting
Systems: Loansoft, Lending QB, Calyx Point, DU, LPA, GUS, MI, DPA & bond certification
Languages
French
Native or Bilingual
Spanish
Professional Working
Additional Information
References available upon request
Timeline
Mortgage Underwriter
Eustis Mtg
06.2021 - 04.2022
Mortgage Underwriter
Cornerstone Home Lending, Inc.
08.2010 - 05.2021
Senior Mortgage Processor
Cornerstone Home Lending, Inc.
08.2006 - 07.2010
Senior Mortgage Processor
CS Mortgage, Inc
08.1998 - 07.2006
Master of Law - Law
University of Paris - Malakoff
Master of Law - Law
Ecole Du Notariat De Paris
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