Cynthia Gibson
Carlisle,OH
Summary
Accomplished Sr. Mortgage Underwriter with over 16 years of experience in mortgage compliance and risk management. Known for strong analytical thinking and attention to detail, contributing to accurate credit evaluations and successful collaboration with loan officers.
Overview
16
16
years of professional experience
Work History
Sr Mortgage Underwriter III
Fifth Third Bank n.a.
Cincinnati, Ohio
07.2010 - Current
- Reviewed mortgage applications for compliance, accurately assessing risk to support informed lending decisions.
- Analyzed financial data, including income statements, balance sheets, and tax returns, to accurately determine borrower eligibility for mortgage loans.
- Analyzed credit reports to determine borrower eligibility and establish loan terms.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Determined loan completeness and accuracy by analyzing mortgage applications, appraisals, and property valuations to mitigate underwriting risks.
- Evaluated property appraisals for accurate valuation and effective risk management.
- Collaborated with loan officers to efficiently resolve underwriting issues.
- Ensured compliance with all federal, state, and local regulations related to mortgage lending practices.
Education
Associates in Accounting - Accounting
Miami Jacobs Business College
Dayton, OH05-1998
Skills
- FHA and VA loans
- USDA and Bond loans
- Attention to Detail
- Analytical Thinking
- Mortgage compliance
- Credit evaluation
- Loan underwriting
- Risk assessment
- Policy adherence awareness
- Fraud detection
- Empower underwriting proficiency
- Excel and Outlook expertise
Timeline
Sr Mortgage Underwriter III
Fifth Third Bank n.a.
07.2010 - Current
Associates in Accounting - Accounting
Miami Jacobs Business College