Qualified underwriter with over 32 years of experience in the mortgage industry. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements.
Overview
17
17
years of professional experience
Work History
Remote Mortgage Underwriter
UNMB Home Loans Inc.
04.2021 - 05.2024
Performed thorough analysis of applicant's income and expense data, asset documentation, credit reports and property valuations to affirm borrower qualified for loan
Calculated qualifying ratios, determined credit-worthiness and provided risk opinions
Maintained current level of knowledge on all requirements by consistently researching and reviewing applicable guidelines, program updates, credit overlays and changes
Conducted timely review and clearing of conditions on files returned for review
Worked with management to assist with any post-closing/audit issues
Remote Mortgage Underwriter
Amerisave Mortgage
11.2020 - 03.2021
Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses
Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout mortgage underwriting lifecycle
Mortgage Underwriter/Post-Closing Coordinator
Homesite Mortgage
02.2020 - 10.2020
Hired as Post-Closing Coordinator and became Underwriter 07/2020.
Reduced processing time for mortgage applications through diligent management of underwriting tasks
Reviewed signed settlement documents for accuracy, completeness and compliance with closing instructions
Collaborated with internal departments to expedite loan funding process, resulting in faster turnaround times for clients
Scanned all trailing documents into LOS and forwarded them on to investors in a timely manner
Mortgage Underwriter/Senior Loan Processor
First State Bank
10.2012 - 02.2020
Ensured files met specific secondary and investor product guidelines and parameters including complex loan programs
Analyzed and calculated all self-employed income
Reviewed appraisal and requested changes as needed
Coached/counseled loan originators in interpretation and application of underwriting guidelines and provided guidance and recommendations
Responsible for ensuring final loan information is accurate in loan origination system prior to file being submitted for loan closing, including but not limited to loan amounts, appraised value, interest rate, income, assets, and monthly payments
Loan Processor
John Adams Mortgage Co
09.2010 - 10.2012
Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
Prepared documents for underwriting by verifying client income, credit reports and other information
Handled any conditions sent from underwriting departments
Coordinated closing process with attorneys, title companies and government clerks
FHA Streamline Processor/Team Leader
Metro Finance
09.2007 - 03.2010
Reviewed and validated details of loan applications and closing documentation
Consistently closed between 40-60 loans per month
Mentored team members to promote productivity, accuracy and commitment to friendly service
Education
Associates Degree - Business Management
Macomb Community College
Warren, MI
1992
Skills
9 years in Conventional underwriting
7 years in FHA direct endorsed underwriting (JA93)
23 years experience in processing
Superior organization skills
Data Interpretation
Analytical ability, with an aptitude for figures
Attention to Detail
Knowledge of FNMA, FHLMC, FHA, MSHDA, USDA, Jumbo and Portfolio loans
Proficient in Encompass, Open/Close, Loanbeam
Affiliations
Previous City of Eastpointe Board of Assessing Member
Previous Treasurer of MiDOG - Michigan Dog Owners Group