Summary
Overview
Work History
Education
Skills
Timeline
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Cindy Song

Summary

Results-driven Mortgage Underwriter IV at US Bank with expertise in risk analysis and compliance. Proven ability to evaluate loan applications and maintain strong relationships with stakeholders. Skilled in advanced income review and process improvement, ensuring adherence to federal regulations while enhancing operational efficiency. Recognized for delivering exceptional service in high-pressure environments.


Overview

22
22
years of professional experience

Work History

Mortgage Underwriter IV

US Bank
04.2015 - 04.2025
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Maintained mortgage program compliance with federal agencies such as VA, FHA, and FNMA.
  • Managed and prioritize multiple loan files simultaneously.
  • Maintained positive relationships with mortgage loan originators and processors.

Mortgage Underwriter

Wells Fargo NA
11.2009 - 03.2015
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Ensure compliance with company policies, investor guidelines and federal regulations.

Mortgage Loan Processor

Wells Fargo Bank NA
06.2003 - 11.2009
  • Communicated with originator and applicant concerning progress of loan file.
  • Prepared file for final clear-to-close by branch management.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Handled any conditions sent from underwriting departments.

Education

Bachelor of Science - Nursing

Cardinal Stritch University
Milwaukee, WI

Skills

  • DE/CHUMS and SAR/LAPP certified
  • Residential Loan Underwriting guidelines (Conventional, FHA, VA, US Bank Portfolio)
  • Risk laying and credit analysis
  • Financial Reform and Regulatory Compliance
  • Advanced Income Review (Self-employed, Corporate, Partnerships)
  • Collateral and Appraisal Evaluation
  • Process Improvement and Time Management

Timeline

Mortgage Underwriter IV

US Bank
04.2015 - 04.2025

Mortgage Underwriter

Wells Fargo NA
11.2009 - 03.2015

Mortgage Loan Processor

Wells Fargo Bank NA
06.2003 - 11.2009

Bachelor of Science - Nursing

Cardinal Stritch University

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Cindy Song