Christine Galloway
Orange,CA
Summary
As a Sr. Underwriter at Luther Burbank Savings, I provide sound and compliant loan decisions for real estate transactions, working closely with loan officers, brokers, and operations staff. I underwrite non-QM jumbo loans for high-net-worth clients. In addition, I have a strong knowledge of Fannie Mae and Freddie Mac programs and guidelines, as well as federal and state rules, regulations, and mortgage lending laws.
With over 23 years of underwriting experience in the real estate industry, I have developed a keen eye for financial analysis, data analysis, and account management. I have worked with wholesale and retail lenders across the nation, processing and reviewing loan applications for refinancing and purchase of residential properties. I have also mentored and assisted junior underwriters with questions and challenges, and maintained efficient loan turnaround times by streamlining the process and ensuring clear communication. My mission is to help borrowers achieve their homeownership goals while ensuring the quality and profitability of the loans.
Overview
21
21
years of professional experience
Work History
Senior Underwriter
LUTHER BURBANK SAVINGS
Irvine, CA
06.2014 - Current
- Reviewed and evaluated Non QM mortgage loan applications for compliance with company policies and procedures.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
- Analyzed appraisals for collateral properties to determine their value and acceptability as security for loans.
- Reviewed preliminary tittle reports, purchase agreements, environmental reports, property inspections reports, and related documentation for acceptability.
- Developed and implemented strategies for mitigating risks associated with higher risk loans.
- Collaborated with brokers and processors to obtain underwriting information.
- Provided guidance and assistance to junior underwriters regarding loan underwriting processes and procedures.
- Maintained up-to-date knowledge of industry trends, best practices, government regulations, market conditions.
- Adhere to and demonstrate commitment to applicable banking and compliance regulations, including but not limited to BSA, Far Lending, and privacy laws.
Senior Underwriter
STEARNS LENDING
Yorba Linda, CA
05.2012 - 11.2013
- Assure timely credit decisions while assisting with special projects including new hire training, resolving any loan issues, and providing industry expertise.
- Performed quality control for new underwriter's loans prior to submissions for final approval to maintain efficient processing times.
- Accomplished production requirements with conditions, underwriting, and working overtime to meet volume and member needs.
- Made careful determinations based on credit history, employment records and current financial status.
Senior Underwriter
INTERBANK MORTGAGE / CHICAGO MORTGAGE
Chicago, IL
02.2012 - 05.2012
- Established credit decision based on skilled analyses of submitted documentation covering credit histories, employment and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Communicated with processing team members to obtain missing information for current applications.
- Reviewed over 5 loans per day to maintain required turn time.
Senior Underwriter
KINECTA FEDERAL CREDIT UNION
Manhattan Beach, CA
06.2010 - 02.2012
- Compiled, evaluated and reviewed data for internal system and assisted to resolved issues regarding integrity of data flow into databases.
- Jumbo loan underwriter with single signing credit authority of up to $2,000,000.00.
- Made careful determinations based on skilled analyses of credit history, employment records and current financial status for Wholesale, Retail, and Correspondent lending divisions within bank.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Mortgage Underwriter
MORTGAGE IT / SUBSIDIARY DEUTSCHE BANK
Irvine , CA
10.2004 - 03.2008
- Made careful determinations based on skilled analyses of credit history, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to obtain missing information for current applications.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
SR Loan Coordinator IV / Mortgage Loan Coordinator
WASHINGTON MUTUAL BANK
Fullerton , CA
09.2002 - 10.2004
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Communicate with Retail loan officer, gather required documentation, facilitate closings, draw closing documents, and funding loan.
- Determined and documented loan conditions and communicated requirements to team.
Education
Training Center For Real Estate Finance
CampusMBA
Vocational Nursing
Pacific College
Costa Mesa, CA02-2010
Associate of Science - Social Behavior And Self Development
Fullerton College
Fullerton, CA05-2009
Skills
- Analysis of Self-Employed Borrowers
- Advanced Fraud prevention
- Decision-Making
- Analytical and Critical Thinking
- Customer Relations
- Dependable and Responsible
- Problem-Solving
- Excellent Communication
- Training / Development
- Loan Restructuring
- Customer Satisfaction
- Creative Solutions
Timeline
Senior Underwriter
LUTHER BURBANK SAVINGS
06.2014 - Current
Senior Underwriter
STEARNS LENDING
05.2012 - 11.2013
Senior Underwriter
INTERBANK MORTGAGE / CHICAGO MORTGAGE
02.2012 - 05.2012
Senior Underwriter
KINECTA FEDERAL CREDIT UNION
06.2010 - 02.2012
Mortgage Underwriter
MORTGAGE IT / SUBSIDIARY DEUTSCHE BANK
10.2004 - 03.2008
SR Loan Coordinator IV / Mortgage Loan Coordinator
WASHINGTON MUTUAL BANK
09.2002 - 10.2004
Training Center For Real Estate Finance
CampusMBA
Vocational Nursing
Pacific College
Associate of Science - Social Behavior And Self Development
Fullerton College
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