Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Catherine B. Rogers

Murphy,TX

Summary

Qualified Senior Underwriter who is highly goal-oriented and proficient at meeting and exceeding established goals and objectives related to Underwriting, Loan Originations, Compliance, Default and Quality Control. Adept at maintaining pipeline of residential loans under review while efficiently conducting risk analysis of submitted loan documentation within 98% quality rating.

Overview

22
22
years of professional experience
1
1
Certification

Work History

Senior Mortgage Loan Underwriter - Remote

AmeriSave Wholesale Mortgage Solutions
Dallas, United States
04.2021 - 11.2021
  • Examine submitted loan proposal documentation to ensure accuracy and completeness based on established company and investor guidelines.
  • Determine decisions/exceptions/conditions; review loan application documents, financial statements, credit report, appraisal, title and applicable DTI/LTV ratios.
  • Follow through via email with contacting brokers, loan processors, loan originators, post closers and managed all phases of underwriting process.
  • Perform timely reviews of stipulations/conditions submitted.
  • Conduct 2nd level review of pending files assigned to colleagues prior to issuing final approval for loan funding.
  • Extensive knowledge of investor guidelines (Conventional, FNMA, FHLMC).
  • Review minimum 5-8+ initial U/W reviews and 4-6+ Clear to Close/ Final Approval reviews per day to meet quota and maintain 98% quality. Successfully closed average of 150 loans per month.

Senior Mortgage Loan Underwriter - Remote

Sovereign Lending Group Inc
Plano, TX
11.2020 - 04.2021
  • Examine submitted loan proposal documentation to ensure accuracy and completeness based on established company and investor guidelines.
  • Determine decisions/exceptions/conditions; review loan application documents, financial statements, credit report, appraisal, title and applicable DTI/LTV ratios.
  • Follow through via email with contacting loan processors, loan originators, post closers and managed all phases of underwriting process.
  • Perform timely reviews of stipulations/conditions submitted.
  • Conduct 2nd level review of pending files assigned to colleagues prior to issuing final approval for loan funding.
  • Extensive knowledge of investor guidelines (Conventional, FNMA, FHLMC, VA, FHA, USDA).
  • Review minimum 5-8+ initial U/W reviews and 4-6+ Clear to Close/ Final Approval reviews per day to meet quota and maintain 98% quality. Successfully closed average of 150 loans per month.
  • LOS: Encompass, DU, LP, Teams, Zoom, etc.

Senior Front-Line Underwriter

Rushmore Loan Management Services
Farmers Branch, TX
08.2016 - 11.2020
  • Review, analyze, approve and underwrite consumer requests within both company and industry guidelines.
  • Determine decisions/exceptions; review financial statements, credit reports, and applicable DTI/LTV ratios.
  • Examine transactions to ensure accuracy and completeness; ensuring documents are consistent and uphold to company and industry guidelines.
  • Perform timely reviews of stipulations/conditions submitted.
  • Analyze loan packages to deliver valid credit decisions.
  • LOS: MSP, Black Knight, eDoc Portal, etc.

Front-End Underwriter

PennyMac
Ft. Worth, TX
04.2015 - 08.2016
  • Review front-end underwriting pre-funding loan requests for quality analysis.
  • Provide approval or conditions summary to Underwriter and management based on results of review and notate the file.
  • Verify all documents are received and meet requirements of Investor (USDA/ VA/ FNMA/ FHLMC/ FHA).
  • Verify all Income and DTI (front end/back end) calculations are executed correctly.
  • Analyze Credit Report, Appraisal, Title docs, Flood Cert, MI Cert, Financial Statements including Tax Returns, Bank Statements, Paystubs and Self Employed P&L
  • Quota to maintain for active front-end Underwriting pre-funding reviews were a minimum of 12+ in-depth audits daily completed with 98% quality within SLA of 24 hrs.
  • Communicated issues to supervisor and helped develop solutions.
  • LOS: MSP, PenneDocs, PenneSaver, Workflow Tool, etc.

Senior Operations Specialist II - Quality Control/Default

JP Morgan Chase Bank
Lewisville, TX
09.2011 - 06.2015
  • Loan Mods/Loss Mit: Examine all loan documentation for loan modification request for accuracy, completeness, and compliance within appropriate company and secondary market investor guidelines. Order appraisal, flood cert, tax cert and title report, as needed. Input request to liaison for any missing docs needed from borrower to submit complete file to Underwriting. Refer accounts for approval to underwriter as required by the authority given.
  • QC: Assist in maintaining accurate reporting for all defaulted loans while conducting audits.
  • Bankruptcy: Reconcile Bankruptcy fees based on attorney invoices and ensured payments were distributed. Ran daily reports to ensure all Bankruptcy teams meeting SLA. 
  • Foreclosure: Complete compliance review of 18-20+ loan documents daily and executed Affiant procedures for AOD to certify foreclosure filing process completed accurately within legal guidelines.
  • LOS: MSP, LenderLive, OLLW, Fraud Detector, Sharepoint, etc.

IT Mortgage Support Analyst - Contractor

Bank of America
Addison, TX
05.2010 - 06.2011
  • Accepted 60-90 inbound calls daily within call center environment from loan processors and underwriters for technical assistance on processing system used to underwrite mortgage loans.
  • Provided exceptional customer service to users within call center environment.
  • Required to know technical systems as well as processing procedures.
  • LOS: EDGE, Statusmart, LPS Desktop, CMD Imaging, etc.

Education

Associate of Science -

Richland Community College
Richardson
2005

Skills

  • Desktop Underwriter, Loan Prospector, Encompass, MSP, Edge, Calyx Point, DMS, eDoc Portal, Fraud Detector, OLLW, Lenderlive, CMD Imaging, DWS, LPS Desktop, MSWord, Excel, Outlook, Groupwise, OAS, CCN, Statusmart, Sharepoint, Infosource, Workflow Tool, PennySaver, PenneDocs
  • Conventional, FNMA, FHLMC, FHA, VA 
  • Supervisory Experience, DTI calculation, LTV/CLTV, Income Calculation (Front/Back End Ratios), Evaluating Payment History/Credit/Title, Escrow, Fees, MI
  • Multi-tasking, Time Management, Superior Customer Service skills, Detail-oriented, Resourceful, Organized

Certification

Microsoft Office Specialist Certified in Excel as of 7/2016

Timeline

Senior Mortgage Loan Underwriter - Remote

AmeriSave Wholesale Mortgage Solutions
04.2021 - 11.2021

Senior Mortgage Loan Underwriter - Remote

Sovereign Lending Group Inc
11.2020 - 04.2021

Senior Front-Line Underwriter

Rushmore Loan Management Services
08.2016 - 11.2020

Front-End Underwriter

PennyMac
04.2015 - 08.2016

Senior Operations Specialist II - Quality Control/Default

JP Morgan Chase Bank
09.2011 - 06.2015

IT Mortgage Support Analyst - Contractor

Bank of America
05.2010 - 06.2011

Associate of Science -

Richland Community College

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Catherine B. Rogers