Beverly Withers
Sandy,UT
Summary
Qualified Underwriter with extensive experience in underwriting complex financial products. Proven track record in assessing risk and making sound recommendations that align with company objectives. Demonstrated proficiency in risk analysis and decision-making, ensuring optimal financial outcomes.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Sr Underwriter II
Northpointe Bank
02.2019 - Current
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Achieved high levels of underwriter certification (Conv, FHA, VA, USDA, HELOC, Bond, Jumbo, Non-QM) , demonstrating commitment to professionalism and continuous learning.
Underwriter
Academy Mortgage
10.2012 - 02.2019
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
Loan Processor
Academy Mortgage
06.2010 - 10.2012
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- 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.
Loan Processor
MetLife Home Loans
06.2009 - 05.2010
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- 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.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
Loan Processor
Bank of America Home Loans
05.2005 - 05.2009
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Utilized loan origination software to process and track loan applications.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Supported a team of loan officers with marketing and sales support.
Education
Bachelor of Arts - English
Brigham Young University
Provo, UTSkills
- Credit analysis
- Underwriting guidelines
- Financial statement analysis
- Quality assurance
- Property appraisal
- Multitasking
- Problem-solving
- Fraud detection
- Attention to detail
- Risk assessment
Certification
VA SAR
FHA DE
Timeline
Sr Underwriter II
Northpointe Bank
02.2019 - Current
Underwriter
Academy Mortgage
10.2012 - 02.2019
Loan Processor
Academy Mortgage
06.2010 - 10.2012
Loan Processor
MetLife Home Loans
06.2009 - 05.2010
Loan Processor
Bank of America Home Loans
05.2005 - 05.2009
Bachelor of Arts - English
Brigham Young University
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