Dani Huskins
Canton,GA
Summary
Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Proficient in Encompass and LQB. Certified in Jumbo loans up to 3 million signing authority, Non-QM and QM loans. Skillful in researching applicant's employment and financial history, documenting reasons for approval or rejection and evaluating loans for accuracy and completeness. Familiar with home loans and residential mortgages such as Asset-Based, DSCR, Bank Statement loans, FHA, VA and Conventional loan guidelines.
Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience. Results-oriented and knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Sr Underwriter / Underwriting Team Lead
VelocityX
Atlanta, GA
08.2023 - Current
- Manage mortgage underwriting staff
- Prepare detailed underwriting reports for management review
- Provide feedback to loan processors and loan officers throughout the loan process
- Listen carefully to customer complaints and swiftly resolve issues by taking appropriate action.
- Review HELCO, Second liens and Non- QM loans
- Assess risk levels associated with each loan application based on established criteria
- Maintain up-to-date knowledge of changing guidelines and regulations as related to mortgage lending
- Review and evaluate loan applications and supporting documents such as credit report, income, assets and appraisals to ensure accuracy and compliance
- Calculate debt-to-income ratios
- Identify potential issues related to title, appraisal and insurance coverage
- Approve, deny and make exceptions while providing and explanation behind the decisions
- Perform quality control review of completed loans prior to funding approval
- Assist other departments with questions regarding underwriting guidelines or procedures
Sr Underwriter
Hancock Mortgage Partners, LLC
Sugar Land, TX
08.2021 - 06.2023
- Evaluated loan applications and creditworthiness of potential borrowers.
- Verified that all submitted documents were accurate, complete, and in accordance with relevant laws and regulations.
- Conducted preliminary analysis of loan products and services offered by the company.
- Performed quality control review of completed loans prior to funding approval.
- Assisted other departments with questions regarding underwriting guidelines or procedures.
- Monitored industry trends in order to advise management on changes in policy or procedure necessary for staying competitive within the market place.
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Worked a new loan pipeline of 70 to 80 loans per month while maintaining review all all loan conditions within acceptable SLA
- Underwrote FHA, VA, Conventional, Jumbo and Non- QM loans ( DSCR and bank statement) loan programs
Team Lead/Sr Underwriter
Geneva Financial LLC
Chandler, AZ
08.2020 - 06.2021
- Managed underwriting staff 9-12 underwriter
- Promoted to leadership position in recognition of strong work ethic and provided exceptional customer service.
- Performed quality control review of completed loans prior to the funding/approval
- Monitored industry trends in order to advise mangement on changes in policy or necessary cahnges
- Motivated and empowered team members to build customer satisfaction and loyalty to support retention and growth.
- Attended seminars and workshops in order to stay informed about new developments within the mortgage industry
- • Identified areas where additional training was needed among junior underwriters and provided guidance accordingly.
- Researched any discrepancies between application information supplied by applicants versus third-party sources
- Determined loan completeness and accuracy by thoroughly analyzing mortgage applications, appraisals and property valuations
- Resolved pre and post-closing issues relating to underwriting
- Determined loan eligibility and approved or rejected applications
- Evaluated loans against portfolio and investor guidelines
- Collaborated with loan originators and processors to correctly review and assess applications and risks
- Collaborated with company teams to expedite loan approval processes
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans
- Reviewed appraisals to ensure accuracy and compliance with company standards
Assistant Manager/Sr Underwriter
Hancock Mortgage Partners, LLC
Sugar Land, TX
07.2015 - 07.2020
- Provided guidance and assistance to underwriters in evaluating risks, making decisions, and preparing contracts
- Ensured compliance with all applicable laws and regulations related to underwriting activities
- Analyzed financial statements of potential customers to assess their ability to pay premiums on time
- Monitored industry trends and developments to ensure competitive products are offered
- Conducted training sessions for new staff members on underwriting principles and procedures.
- Assisted in developing strategies for mitigating risks associated with different types of policies
- Provided technical support regarding underwriting processes during audits or examinations conducted by regulatory agencies or external auditors
- Resolved customer complaints promptly and professionally in accordance with established procedures
- Implemented quality control measures throughout the underwriting process to ensure accuracy of data entry
- Prepared detailed summaries of complex cases for senior management review
- Participated in meetings with senior executives to discuss key issues impacting the performance of the department
- Inspected financial statements, credit information and title data to complete underwriting process
- Reviewed and analyzed loan applications for completeness and accuracy
- Assessed risk levels associated with each loan application based on established criteria.
- Evaluated collateral properties to assess market value.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
Skills
- Financial Forecasting
- Claims Handling
- Negotiation Proficiency
- Trend Analysis
- Attention to Detail
- Financial History Analysis
- Property and Income Evaluation
- Creditworthiness Determination
- Automated Underwriting System (AUS)
- Active Listening and Learning
- Staff Management
- Analytical and Critical Thinking
- Decision-Making
- Customer Service-Focused
- Complex Problem Solving
- Encompass and LQB LOS systems
Certification
- Direct Endorsement
- VA Credit and Sar
Timeline
Sr Underwriter / Underwriting Team Lead
VelocityX
08.2023 - Current
Sr Underwriter
Hancock Mortgage Partners, LLC
08.2021 - 06.2023
Team Lead/Sr Underwriter
Geneva Financial LLC
08.2020 - 06.2021
Assistant Manager/Sr Underwriter
Hancock Mortgage Partners, LLC
07.2015 - 07.2020
- Direct Endorsement
- VA Credit and Sar