Crystal Heath
Summary
Hardworking Senior Underwriter effective at achieving control and profitability objectives according to company guidelines. Experienced in partnering with field producers to support marketing and sales activities. Over 20 years of experience in Mortgage.
Overview
14
14
years of professional experience
Work History
Senior Underwriter
Vertisystem,Inc-Contractor for Morgan Stanley
03.2022 - 03.2023
- Requested, reviewed and verified all loan processing documents such as income, assets, liabilities, credit, collateral, and title
- Analyzed income and assets leveraging Morgan Stanley Underwriting Guidelines and determined required documents before submitting to the Underwriting Dept
- Served as primary point of contact for internal and external business partners for managing expectations and timelines in regard to lender side conditions, e.g
- Title, appraisal, HOI
- Monitored personal pipeline and work with Relationship Managers, Underwriting and other pertinent internal partners to ensure loan cycle times meet client expectations
- Prepared approved loans for closing process ensuring all aspects of the loan are accurate and documented for smooth transition to closing
- Demonstrated ability and drive to work independently to creatively and proactively problem solve and execute at a high level
- Participated in initiatives to improve the client experience and assisting to improve overall FA/PB usage.
Senior Mortgage Loan Processor
Fairway Independent Mortgage Corp
06.2020 - 09.2021
- Worked with Loan Officers to determine product suitability; communicates changes to loan officer
- Compiled financial and other needed data to complete loan file
- Ordered supporting documentation, such as appraisals, verifications of employment, verifications of deposits, etc
- Evaluated loan applications for reasonableness and, if needed, escalates files for further evaluation
- Communicated with Loan Officer and borrower to obtain missing documentation
- Reviewed files for completeness prior to submission to Underwriting
- Obtained documentation needed to clear conditions, if required
- Submitted approved files to Closing
- Prioritized workflow so loans close on time
- Communicate with title company, appraiser, and other vendors as required
- Provided excellent customer service to borrower, loan officer, vendors, and other interested parties.
Senior Mortgage Loan Processor
Legacy Texas Bank/Prosperity Bank
09.2019 - 06.2020
- Verified/audited all loan documents and information provided by the customer and loan officer
- Processed the loan to submit to underwriting which includes review of appraisal and all supporting documents to the loan file
- Collected and audited conditions received
- Prepared files to submit to closing which includes auditing the title work, survey, flood, penleys, fraud guard and HOI
- Worked closely with the title company and loan officer to get the documents and CD prepared in a timely manner
- Reviewed CD and communicated changes needed to closing with the LO and closer
- Followed up with closing to make sure all items necessary to fund the loan have been received
- Ensured that all compliance regulations have been met
- Ordered all documents needed for loan files such as appraisal, title, insurance, and flood.
Loan Processor
Cherry Creek Mortgage Co, Inc
06.2019 - 09.2019
- Maintained a pipeline of loans and am responsible for the timely and compliant flow of such loans through the process
- Obtained/reviewed necessary loan documentation and submits complete packages to underwriting for loan approval
- Monitored and ensured closing dates and company deadlines are met
- Communicated with loan officers, buyers, sellers, title companies, builders and agents
- Obtained and verified that all underwriting conditions are reviewed and cleared by the underwriter
- Prepared the file for submission to the closing department.
DE Mortgage Underwriter
PrimeLending, A Plains Capital Co
04.2015 - 02.2018
- Reviewed Conventional, FHA, USDA, VA and Texas bond loans ensuring the proper documentation is present to provide insurable loans
- Maintained knowledge of the most current Fannie Mae, Freddie Mac, Bond, USDA, VA and FHA guidelines
- Accurately calculated income and debt to income ratios
- Analyzed credit profile, collateral and capacity to repay the proposed mortgage obligation to ensure lowest risk to investor
- Underwrote loans based on DU and LP programs
- Maintained quality and efficiency while delivering quality loans
- Communicated effectively with all parties interested in the transaction
- Prioritized daily workflow from queue to ensure service level agreement being met
- Worked independently and self-managed daily remotely.
Loan Processor
PrimeLending Ventures, LLC
06.2013 - 04.2015
- Verified and cleared conditions set forth by the underwriter or automated system after initial review on Conventional, FHA, USDA and VA purchases
- Reviewed and updated pipeline reports that assist with staying in constant communication with customers and meeting closing deadlines
- Resolved issues that include but are not limited to appraisal/title correction and in-depth income/asset verification
- Acted as the main point of contact with customers, sales force, title companies, and appraisers throughout the process of the loan
- Approved conventional level 1 conditions prior to full underwriting approval which includes income, asset, appraisal, and title
- Obtained missing documentation needed for underwriting approval and post-closing
- Verified and calculated income
- Completed written and verbal verifications of employment.
Home Services Specialist II
Bank of America
05.2009 - 06.2013
- Verified and cleared conditions set forth by the underwriter or automated system after initial review on Conventional, FHA, and VA loans within the Relocation and Beazer Homes division
- Reviewed reports that assisted with staying in constant communication with customers and meeting closing deadlines
- Resolved issues that included but are not limited to appraisal/title correction and in-depth income/asset verification
- Acted as the main point of contact with customers and sales force throughout the process of the loan
- Sent closing instructions to the title company and reviewed HUD settlement statements when with the Relocation department
- Reviewed signed closing documents and authorized fundings with the Relocation department.
Education
Certification of Nursing - Nursing
El Centro College
Dallas, TX10.2016
Skills
- Strong knowledge of LP, DU Outlook, Microsoft Office Suite, typing 45 wpm
- Credit analysis
- Risk Management
- Underwriting guidelines
- Guidelines understanding
- Quality Assurance
- Data Collection
- Portfolio Management
- Documentation
- Teamwork and Collaboration
- Time Management
- Problem-solving abilities
Timeline
Senior Underwriter
Vertisystem,Inc-Contractor for Morgan Stanley
03.2022 - 03.2023
Senior Mortgage Loan Processor
Fairway Independent Mortgage Corp
06.2020 - 09.2021
Senior Mortgage Loan Processor
Legacy Texas Bank/Prosperity Bank
09.2019 - 06.2020
Loan Processor
Cherry Creek Mortgage Co, Inc
06.2019 - 09.2019
DE Mortgage Underwriter
PrimeLending, A Plains Capital Co
04.2015 - 02.2018
Loan Processor
PrimeLending Ventures, LLC
06.2013 - 04.2015
Home Services Specialist II
Bank of America
05.2009 - 06.2013
Certification of Nursing - Nursing
El Centro College
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