Christina Shelly
Oaklyn,NJ
Summary
Hardworking Underwriter with over 30 years of experience in Mortgage Industry. Excellent reputation for resolving problems and improving customer satisfaction.
Overview
34
34
years of professional experience
1
1
Certification
Work History
Underwriter
Finance of America
02.1989 - 12.2022
- 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.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained mortgage program compliance with federal agencies such as VA, FHA, USDA, HUD, and FNMA.
- Supported compliance with federal and state regulations by keeping abreast of changes and updating underwriting procedures accordingly.
Education
High School Diploma -
Colingswood High School
Collingswood, NJ06-1980
Skills
- Underwriting guidelines
- Analyzing data
- Documentation Review
- Risk Assessment
- Quality Assurance
- Credit analysis
- Loan approval & denial
- Creditworthiness assessment
- Freddie Mac & Fannie Mae
Certification
DE Underwriter
VA SAR
Timeline
Underwriter
Finance of America
02.1989 - 12.2022
High School Diploma -
Colingswood High School
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