Diana Millage
Cedar Rapids
Summary
Proactive professional with a strong foundation in mortgage underwriting. Known for mentoring team members and improving processes, with a focus on accurate risk assessment and compliance to drive organizational success.
Overview
11
11
years of professional experience
Work History
Mortgage Underwriter
Dupaco
Cedar Rapids, IA
09.2020 - Current
- Evaluated mortgage applications to determine creditworthiness and risk factors.
- Analyzed borrower financials, including income, assets, and liabilities for compliance.
- Collaborated with loan officers to clarify documentation requirements and expedite processing.
- Reviewed appraisals to ensure property values align with loan amounts requested.
- Identified potential issues within applications and recommended solutions to mitigate risks.
- Maintained accurate records of underwriting decisions in compliance with regulatory standards.
- Assisted in training new underwriters on company policies and procedures for mortgage assessment.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Mortgage Loan Processor
Dupaco
Cedar Rapids, IA
01.2015 - 09.2020
- Processed mortgage applications, ensuring compliance with industry regulations and company policies.
- Reviewed loan documentation for accuracy and completeness, reducing processing errors significantly.
- Coordinated communication between borrowers, underwriters, and real estate agents to expedite approvals.
- Mentored junior processors on best practices for document handling and client interaction protocols.
Education
High School Diploma -
Boscobel High School
Boscobel, WI Skills
- Documentation review
- Underwriting guidelines
- Residential mortgage lending regulations
- Application analysis
- FNMA guidelines
- Debt-to-income ratios
- Asset statements
- Loan evaluation
- LTV calculations
- Income verification
- Attention to detail
- Decision-making
- Income evaluation
- Credit history review
- Customer service
Timeline
Mortgage Underwriter
Dupaco
09.2020 - Current
Mortgage Loan Processor
Dupaco
01.2015 - 09.2020
High School Diploma -
Boscobel High School