Destine Andrews
Mortgage Underwriter
Mays Lick,KY
Summary
Talented Mortgage Underwriter focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk, preventing fraud, and providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Branch Dedicated Underwriter
Home State Bank
10.2022 - 11.2022
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Performed training for team members on utilizing GUS and navigating USDA Guidelines
- Worked well in a team setting, providing support and guidance
Underwriting Team Lead
Geneva Financial LLC
09.2021 - 06.2022
- Supervised loan personnel of between 4-6 Underwriters and motivated to maintain customer service and performance standards.
- Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Resolved problems, improved operations and provided exceptional service
- Used critical thinking to break down problems, evaluate solutions and make decisions
Senior Underwriter
Geneva Financial LLC
07.2021 - 09.2021
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Proactively identified solutions for customers experiencing credit issues.
Senior Mortgage Underwriter
New American Funding
05.2020 - 07.2021
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Senior Underwriter IV
LoanDepot Wholesale
04.2018 - 05.2020
- Instrumental in increasing Renovation Loan Efficiency
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Senior Mortgage Underwriter
Supreme Lending
01.2016 - 04.2018
- Expanded Bond/DPA Program Knowledge
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Mortgage Underwriting Supervisor
W.J. Bradley Mortgage Capital
03.2015 - 12.2015
- Developed and led team of 8 underwriters handling all loan product types
- Liaised with sales and operations to facilitate communication and maximize workflow efficiency.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Motivated employees to improve performance through hands-on leadership, monthly reviews and proactive improvement planning.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Monitored pipelines to track and log status of loans.
- Improved quality of department operations by implementing strategic process improvements.
- Created and implemented underwriting procedures and strategies to increase productivity, quality, and efficiency
Senior Mortgage Underwriter/Underwriting Team Lead
W.J. Bradley Mortgage Capital
05.2012 - 02.2015
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Education
Diploma - General Studies
Arvada Senior High School
Arvada05.1999
Skills
- Loan Restructuring
- Fraud Prevention and Detection
- Loan Product Knowledge (IE: FHA, VA, USDA, Renovation, Manufactured, Conventional)
- Desktop Underwriter / Loan Prospector
- Customer Experience
- Complex Problem-Solving
- Eligibility Requirements
- Customer Interaction
- Dedicated
- Teamwork and Collaboration
- Self-Motivated
- Underwriter Collaboration
- Government Lending
- Residential Loans
- Performance Assessment and Improvement
- Complete Loan Applications
- Oral and Written Comprehension
- FHA Loan Processes
- Analytical and Critical Thinking
- Debt-To-Income Ratios
- Residual Incomes
- Property Evaluation
- Government Standards
- Variance and Risk Analysis
- Mortgage Lending Requirements
- Asset Statements
- FHLMC Guidelines
- Motivational Techniques
- Income Verification
- Underwriting Regulations
- Employee Performance
- Creative Solutions
- Staff Evaluations
Certification
- DE Certified (03/2012)
Additional Information
Average 2+ New Underwrites and 6+ Condition Reviews daily
Timeline
Branch Dedicated Underwriter
Home State Bank
10.2022 - 11.2022
Underwriting Team Lead
Geneva Financial LLC
09.2021 - 06.2022
Senior Underwriter
Geneva Financial LLC
07.2021 - 09.2021
Senior Mortgage Underwriter
New American Funding
05.2020 - 07.2021
Senior Underwriter IV
LoanDepot Wholesale
04.2018 - 05.2020
Senior Mortgage Underwriter
Supreme Lending
01.2016 - 04.2018
Mortgage Underwriting Supervisor
W.J. Bradley Mortgage Capital
03.2015 - 12.2015
Senior Mortgage Underwriter/Underwriting Team Lead
W.J. Bradley Mortgage Capital
05.2012 - 02.2015
Diploma - General Studies
Arvada Senior High School
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