Summary
Overview
Work History
Education
Skills
Professional Summary
Certification
Timeline
Generic

Denise Schulz

Las Cruces

Summary

Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.

Overview

19
19
years of professional experience
1
1
Certification

Work History

Underwriter IV

InterLinc Mortgage Services LLC
10.2024 - Current
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Made approval and denial recommendations by determining accurate risk levels.

Underwriter

Guild Mortgage
04.2023 - 01.2024
  • Underwriting authority of all Conventional, FHA, VA and USDA loans
  • Underwriting authority of multiple State Bond loan programs.
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure seamless mortgage underwriting process.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Continuously sought opportunities for professional development, attending industry events and staying informed on regulatory changes that impact mortgage underwriting practices.

Underwriter

Cherry Creek Mortgage Company
06.2016 - 03.2023
  • This company was bought out by Guild Mortgage, so experience is listed above.

Underwriter

Bank'34
04.2012 - 06.2016
  • Underwriting authority of all Conventional and USDA while completing hands on training for FHA and VA, which was obtained in 2015.
  • Processing and closing of Conventional, FHA, VA, USDA and Portfolio Mortgage loans
  • Supported team members in their tasks, contributing to overall team success.
  • Received and reviewed incoming documents and materials.
  • Assisted colleagues as needed, fostering a positive work environment based on teamwork and mutual supportiveness.

Processor / Closer

Citizens Bank
12.2010 - 04.2012
  • Supported team members in their tasks, contributing to overall team success.
  • Entered data into computer tracking system and filed paperwork according to procedures.
  • Maintained accurate records and ensured timely completion of all necessary paperwork.
  • Received and reviewed incoming documents and materials.
  • Produced closing documents and worked timelessly with title agents for a smooth transaction.
  • Shipped files to investors and worked to resolve suspense conditions, if any.

Office Manager

Simple Mortgage / American Dream
06.2006 - 12.2010
  • Originating and Processing mortgage loan applications from preliminary application to closing
  • Walking borrowers throughout application procedure from start to finish
  • Analyzing new products and investors as they became available
  • Management and training of all incoming Loan Officers.
  • Handled sensitive information with discretion, maintaining confidentiality of company documents and personnel records.
  • Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.

Education

Associate of Applied Science - Nursing

Otero Jr College
La Junta, CO
05.1996

Skills

  • Proficient in agency guidelines
  • Analyzing data
  • Risk Assessment
  • Relationship Building
  • Data Interpretation
  • Quality Control
  • Sales Support
  • Caseload Management
  • Organizational Skills
  • Multitasking Abilities
  • Analytical Thinking

Professional Summary

Many years experience in the Mortgage Industry beginning from Processor to Senior Underwriter. Experience in AUS systems: Freddie Mac Loan Prospector, Fannie Mae Desktop Originator and USDA’s GUS.  Software: Calyx; Encompass; Doc Magic; Outlook; Excel; Word; Multiple Employer built softwares. I am group performer with great communication skills which are essential to this business.

Certification

FHA/DE HT44

SAR/LAPP 020074

Timeline

Underwriter IV

InterLinc Mortgage Services LLC
10.2024 - Current

Underwriter

Guild Mortgage
04.2023 - 01.2024

Underwriter

Cherry Creek Mortgage Company
06.2016 - 03.2023

Underwriter

Bank'34
04.2012 - 06.2016

Processor / Closer

Citizens Bank
12.2010 - 04.2012

Office Manager

Simple Mortgage / American Dream
06.2006 - 12.2010

Associate of Applied Science - Nursing

Otero Jr College

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