Cynthia Haynes
Summary
Experienced with assessing financial risk and evaluating Loan and commercial applications. Utilizes analytical skills and industry knowledge to make informed underwriting decisions. Track record of maintaining compliance with regulatory standards and fostering positive client relationships.
Overview
7
7
years of professional experience
Work History
Underwriter II (Contract)
Danos Group
10.2024 - 01.2026
- Examined mortgage loan applications and supporting documents for completeness and accuracy
- Verified income, assets, liabilities, and property valuations to ensure compliance with loan program guidelines.
- Assessed the risk of each loan application and made decisions based on creditworthiness, financial stability, and loan-to-value ratios.
- Ensured loans comply with investor, regulatory, and internal guidelines and policies.
- Approved or deny loan applications based on underwriting guidelines and risk assessments.
- Provided conditional approvals with detailed stipulations for loan officers and processors to address.
- Ensured all loan documentation is complete, accurate, and compliant with all regulations, including but not limited to, FHA, VA, USDA, and conventional loan requirements.
- Stayed current with industry regulations, guidelines, and best practices to ensure compliance.
- Worked closely with loan officers, processors, and other relevant parties to gather necessary information and clarify loan conditions.
- Provided clear and concise communication regarding underwriting decisions and requirements.
- Conducted quality control reviews on loan files to ensure adherence to underwriting standards and guidelines.
- Identified and reported any potential fraud or discrepancies in loan applications.
- Mentored junior underwriters on best practices and compliance standards.
- Reviewed industry trends to adapt underwriting strategies and mitigate risks effectively.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
Loan Specialist
SBA
Remote
12.2022 - 09.2025
- Responsible for reviewing loan docs for commercial and business loan closures.
- Make decisions on files to be placed in liquidation and business closure files.
- Conducted interviews with borrowers, lenders,and and counseled SBA practices. Assessed the borrowers or lenders need for assistance from other sources and counsels accordingly.
- Analyze and make decisions make recommendation transaction request in accordance with existing Agency SOP's or SBA guidelines.
- Provided extensive servicing, purchasing or liquidation or more complex or potentially delinquent loans.
- Analyzed the underlying problem and causes delinquency and developed solution in the best interest of the Agency.
- Perform online searches on the Secretary of State, UCC, and other internal and external search engines.
- Utilize various software programs to perform daily task Microsoft word, Excel, Outlook, as well as SBA software ETRAN, SL Track, Lira, CAFS , LTrack.
Sr. Underwriter
Morgan Stanley
Remote
03.2022 - 03.2022
- Reviewed and underwrote FHA, VA, USDA, and conventional loan files to ensure compliance with agency and investor standards.
- Verified borrower assets, income, and liabilities to ensure repayment capability.
- Conducted risk assessments and identified potential fraud indicators.
- Provided mentorship to junior underwriters and contributed to process improvement initiatives.
- Reviewed all documents: Title, Appraisal, HUD, 1003,1008, credit reports and income documentation
- Evaluated loan applications for creditworthiness and compliance with underwriting guidelines.
- Reviewed financial statements, credit reports, and property appraisals for accuracy and completeness.
- Reduced turnaround time for loan decisions by consistently meeting strict deadlines in a high-volume environment.
- Enhanced loan application processing by efficiently reviewing and analyzing borrowers'' financial documents.
- Participated in quality assurance reviews, providing feedback and recommendations to improve underwriting practices.
Underwriter II
CMG Financial Services
Remote
02.2021 - 03.2022
- Reviewed residential mortgage loan files for completeness and accuracy
- Analyzed borrower income, assets, credit reports, and debt-to-income (DTI) ratios
- Evaluated property appraisals and collateral documentation
- Ensured loans meet Fannie Mae and Freddie Mac guidelines
- Identified risk factors and applied compensating factors when appropriate
- Issued loan approvals, suspensions, or denials with clear conditions
- Communicated underwriting decisions to loan officers and processors
- Maintained compliance with federal and state lending regulations
- Stay updated on agency guideline changes and industry trends
- Evaluated risk factors and underwriting guidelines to determine policy eligibility
- Analyzed financial documents to assess applicants' creditworthiness and risk profiles
- Reviewed and processed applications within established timelines to ensure efficiency
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
Mortgage Underwriter
Interactive Mortgage
Remote
06.2020 - 03.2021
- Underwrote mortgage originations for FHA, VA, Conventional, Jumbo, and Non-QM products ensuring compliance with investor guidelines and internal risk policies.
- Reviewed full loan files including AUS findings, income documents, asset statements, credit reports, and appraisals.
- Analyzed borrower income including W-2, self-employed, rental, commission, asset depletion, and bank statements.
- Cleared conditions, assessed risk levels, and issued approvals, suspensions, or denials in accordance with credit policy.
- Collaborated with loan processors and loan officers to resolve documentation issues and meet closing deadlines.
- Ensured accuracy of disclosures, TRID compliance, and document integrity throughout the origination process.
- Identified fraud red flags and escalated high-risk files for additional review.
- Reviewed all documents: Title, Appraisal, HUD, 1003,1008, credit reports and income documentation
- Analyzed risk factors and assessed insurance applications to determine coverage eligibility.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
Underwriter
Mr. Cooper Mortgage
Farmers Branch, TX
04.2019 - 03.2020
- Reviewed residential mortgage loan files for completeness and accuracy
- Analyzed borrower income, assets, credit reports, and debt-to-income (DTI) ratios
- Evaluated property appraisals and collateral documentation
- Ensured loans meet Fannie Mae and Freddie Mac guidelines Identified risk factors and applied compensating factors when appropriate
- Issued loan approvals, suspensions, or denials with clear conditions
- Communicated underwriting decisions to loan officers and processors
- Maintained compliance with federal and state lending regulations
- Stay updated on agency guideline changes and industry trends
- Boosted team productivity by leading workshops on advanced underwriting principles and practices.
Education
High School Diploma -
Wilmer Hutchins High School
Dallas01-1990
Skills
- Conventional, FHA, and Non-QM Underwriting
- Credit & Risk Analysis
- Loan-to-Value (LTV)
- Debt-to-Income (DTI) Assessment
- Income & Asset Verification
- Fannie Mae / Freddie Mac / FHA / VA Guidelines
- Collateral Evaluation & Property Appraisals
- Regulatory Compliance (BSA, AML, RESPA, HMDA)
- Loan Audit & Quality Assurance , ETRAN, CAFS, LTRACK, SL TRACK, Lexis Nexis
Timeline
Underwriter II (Contract)
Danos Group
10.2024 - 01.2026
Loan Specialist
SBA
12.2022 - 09.2025
Sr. Underwriter
Morgan Stanley
03.2022 - 03.2022
Underwriter II
CMG Financial Services
02.2021 - 03.2022
Mortgage Underwriter
Interactive Mortgage
06.2020 - 03.2021
Underwriter
Mr. Cooper Mortgage
04.2019 - 03.2020
High School Diploma -
Wilmer Hutchins High School