Desiree Bellucci
Wantagh,NY
Summary
Professional Objective: To continue my skills by using my experience as a Senior Mortgage Underwriter. Summary: Mortgage Underwriter with over 25 years experience in the mortgage industry. Underwriting loans to FHA, VA, FNMA, FHLMC guidelines to include FHA 203k, Fnma Homestyle & Fhlmc Choice Reno. FHA DE Underwriter since 1994. VA LAPP and SAR Underwriter since 2015. Responsible for accurately reviewing loan files and providing a loan decision of approval or denial in a timely manner. Applying all agency guidelines and investor guidelines to the decision process to ensure loan quality and stability.
Overview
15
15
years of professional experience
Work History
Sr. Mortgage Underwriter
United Mortgage Corp
05.2015 - 10.2023
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA/FHLMC.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Sr Mortgage Underwriter
United Northern Mortgage Bankers, LTD
04.2012 - 05.2015
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA/FHLMC.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan requests and documents to verify accuracy and completeness.
Sr. Mortgage Underwriter
Mortgage Enterprise LTD
01.2009 - 03.2012
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA/FHLMC.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options.
Education
Bachelor of Business Administration Degree - Business Administration & Finance
Dowling College
Oakdale, NY05.1987
Skills
- Strong decision making & problem solving skills
- Proficiency to perform job duties in a fast-paced environment
- Proven ability to perform quality work while maintaining productivity and compliance standards
- Strong organizational skills and demonstrates ability to prioritize and multi-task
- Excellent attention to detail and a meticulous eye for identifying inconsistencies or inaccuracies
- Strong people skills with ability to communicate effectively
Timeline
Sr. Mortgage Underwriter
United Mortgage Corp
05.2015 - 10.2023
Sr Mortgage Underwriter
United Northern Mortgage Bankers, LTD
04.2012 - 05.2015
Sr. Mortgage Underwriter
Mortgage Enterprise LTD
01.2009 - 03.2012
Bachelor of Business Administration Degree - Business Administration & Finance
Dowling College
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