Cindy Lore
Fort Mill,USA
Summary
Experienced Underwriter with expertise in risk assessment and financial document analysis within the Mortgage sector. Proven track record of delivering high volumes of loan approvals while maintaining meticulous attention to detail, enhancing operational efficiency. Contributed to cost reduction and improved risk assessment strategies, benefiting employers significantly. Proficient in industry-standard tools including Encompass, DU, and FHA Connection.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Sr. Mortgage Underwriter
Sage Home Loans
Lancaster, SC
04.2025 - Current
- Evaluated mortgage applications for compliance with company policies and regulations.
- Analyzed credit reports to determine borrower eligibility and risk levels.
- Collaborated with loan officers to clarify borrower documentation requirements.
- Reviewed property appraisals to ensure accurate valuation and market comparisons.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Requested additional information and documents from borrower to help determine loan risk.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant guidelines.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
Loan Specialist Underwriter
Small Business Administration/USDA
Fort Mill, SC
01.2023 - Current
- Performed detailed analysis of loan applications to ensure accuracy and completeness.
- Evaluated customer creditworthiness, analyzed financial data, and determined borrowing capacity.
- Analyzed applicant's financial statements and tax returns to determine ability to repay the loan.
- Verified income and Business status for applicants using online databases.
- Conducted periodic reviews of existing accounts to ensure timely payments are made.
Senior Mortgage Underwriter
ALCOVA Mortgage
Roanoke, VA
04.2021 - 01.2023
- Reviewed mortgage applications for compliance with company policies and investor guidelines.
- Analyzed financial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan.
- Analyzed credit reports to assess borrower eligibility and risk factors.
- Communicated underwriting decisions clearly to internal teams and clients.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
SR Mortgage Underwriter
Victoria Mortgage/ Genworth Financial Inc
Raleigh, NC
08.2016 - 02.2021
- Analyzed financial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan.
- Documented underwriting decisions based on risk assessment and credit worthiness.
- Performed manual underwriting when necessary and FHA Downgrades.
- Conducted a detailed analysis of complex mortgage loans in accordance with Fannie Mae and Freddie Mac guidelines, USDA guidelines.
- Evaluated property appraisals to ensure accurate valuation aligned with lending standards.
SR Mortgage Underwriter (sase 3)
Accenture, Inc./Bank Of America
Charlotte, NC
02.2014 - 08.2016
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, Income documents; Asset statements and tax returns for Self employed borrower's
- Interpreted findings from AUS system to ensure they meet investor guidelines and company overlays.
- Managed multiple tasks while adhering to strict deadlines in a fast-paced environment.
- Documented underwriting decisions and issued loan approval based on risk assessment from DU and LP
SR Mortgage Under III
Wells Fargo
Charlotte, NC
09.2009 - 11.2015
- Reviewed mortgage loan documents for accuracy and compliance.
- Verified income sources, credit history, assets, liabilities, and other related information to assess the creditworthiness of applicants.
- Provided excellent customer service by responding promptly to inquiries from borrowers, lenders and brokers.
- Analyzed financial data to determine loan eligibility and made recommendations to management regarding approval or denial of loans.
- Utilized automated underwriting systems such as DU, LP, TOTAL Scorecard, GUS to evaluate borrower qualifications quickly and accurately.
- Performed quality control review on closed mortgage loans prior to submission for final purchase approvals.
Skills
- Risk Assessments
- Credit analysis
- Quality Assurance
- Excellent Communication Skills
- Strong Organizational Skills
- FHA
- Conventional
- Encompass
- Weblgy
- DU/LP
- USDA
- VA
- LAPP/SAR
- FHA Connection
- Fraud Guard
- GUS
Certification
SAR, SAR-026186
DE- KG52
References
References available upon request.
Timeline
Sr. Mortgage Underwriter
Sage Home Loans
04.2025 - Current
Loan Specialist Underwriter
Small Business Administration/USDA
01.2023 - Current
Senior Mortgage Underwriter
ALCOVA Mortgage
04.2021 - 01.2023
SR Mortgage Underwriter
Victoria Mortgage/ Genworth Financial Inc
08.2016 - 02.2021
SR Mortgage Underwriter (sase 3)
Accenture, Inc./Bank Of America
02.2014 - 08.2016
SR Mortgage Under III
Wells Fargo
09.2009 - 11.2015
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