Carrie Carlisle
Royse City,TX
Summary
Accomplished Senior Mortgage Loan Underwriter with a proven track record. Adept in risk management and loan processing proficiency. DE Certified FHA, USDA and Conventional loan programs. Demonstrated commitment to continuous improvement and quality control, significantly improving loan approval turnaround times.
Experienced with risk assessment, compliance, and decision-making in mortgage loan underwriting. Utilizes analytical skills and regulatory knowledge to ensure accurate loan evaluations.
Overview
14
14
years of professional experience
Work History
DE Underwriter
Delmar Mortgage
05.2025 - 12.2025
- Evaluated loan applications to ensure compliance with underwriting guidelines and risk assessment standards.
- Collaborated with loan officers to clarify borrower information and enhance application accuracy.
- Analyzed credit reports, income documentation, and property appraisals for informed decision-making.
- Streamlined underwriting processes, reducing turnaround times while maintaining quality control measures.
Senior Mortgage Loan Underwriter
Southwest Funding
01.2020 - 02.2025
- Reduced risk exposure by conducting thorough credit analyses and ensuring compliance with lending regulations.
- Collaborated with IT teams to develop and implement technology solutions that enhanced efficiency in the underwriting process.
- Collaborated with loan processors and originators to expedite the loan approval process while maintaining high-quality standards.
- Maintained a deep understanding of market trends and regulatory updates to inform decision-making during the underwriting process.
- Served as a subject matter expert on loan products, advising colleagues and clients alike on appropriate options based on unique needs and financial situations.
- Conducted scenario analyses to assess potential risks associated with specific loan applications, informing appropriate underwriting decisions based on findings.
- Managed a diverse portfolio of loans, effectively balancing risk management with client needs for successful outcomes.
- Streamlined internal communication channels, resulting in faster response times for both clients and colleagues.
- Mentored junior underwriters, sharing knowledge and expertise to improve team performance and individual skillsets.
- Mitigated losses through diligent monitoring of borrower financial health, proactively addressing concerns before they escalated into larger issues.
- Identified potential areas of improvement in existing processes, implementing changes that increased overall efficiency within the department.
Assistant Underwriter
Southwest Funding
02.2018 - 01.2020
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Verified data integrity and accuracy.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Maintained strong relationships with agents, brokers, and policyholders to ensure smooth communication and timely issue resolution.
- Enhanced underwriting efficiency by streamlining processes and implementing best practices.
Senior Loan Processor
Southwest Funding
07.2015 - 01.2018
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Reduced loan processing time by developing and employing standardized documentation procedures.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Handled any conditions sent from underwriting departments.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Evaluated approvals against established bank and government lending standards.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Mentored new hires within the loan processing team, fostering a culture of knowledge sharing and continuous improvement.
Assistant Loan Processor
Stonelake Mortgage
01.2012 - 06.2015
- Communicated with customers daily to request information and complete paperwork.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Assembled important paperwork and disclosures for borrower.
- Monitored key dates to obtain information by deadlines.
- Assisted in closing loans quickly with thorough verification of applicant information and documentation.
- Achieved high levels of accuracy in reviewing financial documents such as tax returns, pay stubs, and bank statements for loan eligibility.
- Provided exceptional customer service, promptly addressing questions or concerns related to loan applications.
- Organized workflow processes for faster turnaround times, leading to increased customer satisfaction rates among borrowers.
Education
High School Diploma -
South Garland High School
Garland, TX01-2001
Skills
- Loan underwriting expertise
- Analyzing data
- Data entry proficiency
- Quality control procedures
- Effective time management
- Quality control
- Data organization
- Team collaboration strengths
- Policy interpretation
- Adaptability to change
- Risk management
- Continuing education commitment
- Generating reports
- Financial document review
- Loss prevention
- Proficient in Encompass, Microsoft Office, Excel, Word and Microsoft Outlook
Timeline
DE Underwriter
Delmar Mortgage
05.2025 - 12.2025
Senior Mortgage Loan Underwriter
Southwest Funding
01.2020 - 02.2025
Assistant Underwriter
Southwest Funding
02.2018 - 01.2020
Senior Loan Processor
Southwest Funding
07.2015 - 01.2018
Assistant Loan Processor
Stonelake Mortgage
01.2012 - 06.2015
High School Diploma -
South Garland High School