Cheri Martinelli
Weirton,WV
Summary
Detail-oriented quality control underwriter specializing in comprehensive reviews of closed mortgage loan files to verify adherence to agency underwriting guidelines, federal and state regulations, and company policies. Experienced in mitigating operational and compliance risks by identifying deficiencies, documenting findings, and effectively communicating review results.
Overview
25
25
years of professional experience
Work History
Senior QC Underwriter
AmeriHome Mortgage
Weirton, WV
06.2021 - Current
- Conduct post-closing credit and compliance quality control reviews of FNMA, FHLMC, FHA, VA, USDA, Non-QM and DSCR mortgage loan files.
- Review income, assets, credit, collateral, and all loan documentation for completeness, accuracy, consistency and compliance.
- Ensured compliance with agency guidelines and applicable federal and state regulations, mitigating risks and enhancing regulatory adherence.
- Assign defect severity levels and communicate review results to company management and correspondent lenders.
- Maintain knowledge of agency underwriting guidelines, company overlays and policies.
- Conduct FNMA and FHLMC calibration and MORA audits as needed.
Quality Control Mortgage Underwriter
Opus CMC
Weirton, USA
07.2018 - 06.2021
- Performed FNMA, FHLMC, FHA, VA, USDA and Non-QM credit and compliance reviews of closed mortgage loan files to verify adherence with agency eligibility guidelines, lender guidelines and overlays, federal and state regulations, and company policies.
- Identify deficiencies and document findings in written format for reporting purposes.
- Assisted underwriting staff with guideline reviews and ensured adherence to company processes and procedures.
Owner, Manager, Underwriter, Compliance Officer
Mountain State Lending Associates, Inc
Weirton, USA
06.2001 - 12.2018
- Conducted internal credit and compliance audits on FNMA, FHLMC, FHA, VA, and USDA loan files to ensure adherence to agency, lender, federal and state regulatory guidelines.
- Evaluated applicants' financial status, credit, and property reports to assess loan feasibility based on repayment ability and compliance with agency and lender guidelines.
- Informed clients about various loan products and credit options to facilitate informed decision-making.
Education
Certificate of Completion - Appraisal Pre-Licensing Qualifying Education
The PAS Network
Parkersburg, WV06-2012
ASB Degree - Paralegal Studies
The Bradford School
Pittsburgh01-1998
Skills
- Quality control and mortgage underwriting
- Data analysis
- Attention to detail
- Critical thinking
- Effective communication
Timeline
Senior QC Underwriter
AmeriHome Mortgage
06.2021 - Current
Quality Control Mortgage Underwriter
Opus CMC
07.2018 - 06.2021
Owner, Manager, Underwriter, Compliance Officer
Mountain State Lending Associates, Inc
06.2001 - 12.2018
Certificate of Completion - Appraisal Pre-Licensing Qualifying Education
The PAS Network
ASB Degree - Paralegal Studies
The Bradford School