DIAHN SENICK
Riverside,California
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Sr underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Astute and methodical Senior Mortgage Underwriter with significant background working with all customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
11
11
years of professional experience
Work History
Remote Mortgage Underwriter
New American Funding
07.2020 - 11.2023
- 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 or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as FHLMC, FNMA.
- ● Ensure credit file is complete and compliant with company standards.
● Return all inquiries in a timely manner as established by company standard Service Level Agreements.
Sr Underwriter /Team Leader
Impac Mortgage / Cashcall
06.2018 - 07.2020
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Performed 2nd review and released approval on loan amounts for underwriters in training. Lead, guide, mentor and train entire
Sr. Undwriter/Team Leader
Genpact
02.2015 - 06.2018
- Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
- Supervised team members to confirm compliance with set procedures and quality requirements.
- Built strong relationships with customers through positive attitude and attentive response.
- Worked with team to identify areas of improvement and devised solutions based on findings.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.
Sr Underwriter
Amerisave Mortgage
08.2012 - 02.2015
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Negotiated policy terms and coverages to bring coverage terms into alignment with company directives on contracts and policies.
Education
High School Diploma -
Southside High School, Elmira NY
Elmira, NY06.1985
Skills
- Asset Statements
- Debt-to-Income Ratios
- Application Analysis
- Residential Mortgage Lending Regulations
- Jumbo and Super Jumbo Loans
- Residential Loans
- FNMA Guidelines
- LTV Calculations
- Residual Incomes
- Credit History Review
- Financial History Analysis
- Referral Network Development
- Credit File Updating
- Tax Liability Calculation
- Property Evaluation
- Payment Schedule Computation
- Attention to Detail
- Loan File Maintenance
- Customer Relations
- Automated Underwriting System (AUS)
Timeline
Remote Mortgage Underwriter
New American Funding
07.2020 - 11.2023
Sr Underwriter /Team Leader
Impac Mortgage / Cashcall
06.2018 - 07.2020
Sr. Undwriter/Team Leader
Genpact
02.2015 - 06.2018
Sr Underwriter
Amerisave Mortgage
08.2012 - 02.2015
High School Diploma -
Southside High School, Elmira NY