Summary
Overview
Work History
Education
Skills
Timeline
Generic

Cathy L Arnett

Clarkston,Mi

Summary

To secure a position with a progressive and growing company that will utilize my skills and knowledge to the best of my potential and for the benefit of the company Astute and methodical Senior Mortgage Underwriter with significant background working with customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Senior Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Astute and methodical Senior Mortgage Underwriter with significant background working with multiple customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.

Overview

12
12
years of professional experience

Work History

Senior Mortgage Underwriter II

Vanderbilt Mortgage, DBA Silverton Mortgage
06.2020 - 08.2022
  • Remote
  • Responsible for Underwriting 2/3 new loan submissions daily
  • FNMA/FHLMC
  • MI loans and Non-MI loans
  • Analyze credit, income and appraisals with strict adherence to
  • FNMA/FHLMC guidelines
  • Review and clear all conditions for all new loan files underwritten
  • Work closely with Loan Officers, Processors and Loan Officer assistants to meet posted SLA’s
  • Other duties as assigned

Senior Mortgage Underwriter

Radian Financial
05.2019 - 09.2019
  • Responsible for Underwriting 2/3 new loan submissions daily
  • FNMA/FHLMC and limited number of manual underwrites
  • MI loans and Non-MI loans
  • Analyze credit, income and appraisals with strict adherence to
  • FNMA/FHLMC guidelines, as well as all client overlays
  • Review and clear all conditions for all new loan files underwritten
  • Other duties as assigned

Senior Mortgage Underwriter

Ross Mortgage Corporation
06.2010 - 09.2019
  • Remote and on site
  • Responsible for Underwriting 2/3 new loan submissions daily
  • FNMA/FHLMC
  • MI loans and Non-MI loans
  • Analyze credit, income and appraisals with strict adherence to
  • FNMA/FHLMC guidelines
  • Review and clear all conditions for all new loan files underwritten
  • Work closely with Loan Officers, Processors and Loan Officer assistants to meet posted SLA’s
  • Other duties as assigned

Senior Mortgage Underwriter

Sprout Mortgage
07.2018 - 11.2018
  • Responsible for underwriting Non-Agency loans
  • All manual underwrites to private investors
  • Per Sprout published guidelines
  • No income verification loans for high scores
  • Encompass LOS

Senior Mortgage Underwriter

Genworth Mortgage Insurance
04.2016 - 07.2018
  • Underwrite Conventional loans via FNMA/FHLMC submitted by Banks
  • Credit Unions, and other Mortgage companies
  • Analyze credit, income and appraisals with strict adherence to
  • FNMA/FHLMC guidelines, as well as all client overlays
  • Minimum of 3-4 new loan files per day
  • Review and clear all conditions for all new loan files underwritten
  • Established and maintained good rapport with Regional Underwriters as well as the submitting brokers/clients
  • Mentoring underwriting assistants to insure 24 hour turn time for conditions.

Senior Underwriter

LenderLive Network, LLC
08.2011 - 04.2016
  • Underwrite Conventional loans via FNMA/FHLMC submitted by Banks
  • Credit Unions, and other Mortgage companies
  • Analyze credit, income and appraisals with strict adherence to
  • FNMA/FHLMC guidelines, as well as all client overlays
  • Minimum of 3-4 new loan files per day
  • Review and clear all conditions for all new loan files underwritten
  • Underwrote for the Fifth Third dedicated team
  • Underwrote for the Genworth dedicated team
  • Established and maintained good rapport with Regional Underwriters as well as the submitting brokers/clients

Education

LoanGiant.com FHA-Certificate in Underwriting and Processing -

Oakland Community College, Institute of Banking

DE - undefined

From HUD

NMLS #897717 - undefined

Certified Residential Underwriting Certificate - undefined

Skills

  • Asset Statements
  • Performance Assessment and Improvement
  • Stacks Understanding
  • Loan Product Knowledge

Timeline

Senior Mortgage Underwriter II

Vanderbilt Mortgage, DBA Silverton Mortgage
06.2020 - 08.2022

Senior Mortgage Underwriter

Radian Financial
05.2019 - 09.2019

Senior Mortgage Underwriter

Sprout Mortgage
07.2018 - 11.2018

Senior Mortgage Underwriter

Genworth Mortgage Insurance
04.2016 - 07.2018

Senior Underwriter

LenderLive Network, LLC
08.2011 - 04.2016

Senior Mortgage Underwriter

Ross Mortgage Corporation
06.2010 - 09.2019

LoanGiant.com FHA-Certificate in Underwriting and Processing -

Oakland Community College, Institute of Banking

DE - undefined

From HUD

NMLS #897717 - undefined

Certified Residential Underwriting Certificate - undefined

Cathy L Arnett