Diane St James
Summary
Results-focused mortgage underwriter known for strengths in risk management, credit analysis and thorough documentation review. A proven track record of expertise in detailed income analysis and calculation of complex loans including self-employed borrowers with multiple properties. Ability to exceed productivity standards and turnaround time providing excellent customer service.
Overview
13
13
years of professional experience
Work History
Sr Underwriter
Kinecta Federal Credit Union
Manhattan Beach, CA
08.2022 - 01.2024
- Tackled and completed my daily workload with confidence and skill.
- Championed exceptions for those borrowers who had extenuating circumstances.
- Mastered underwriting second fixed mortgages and home equity lines of credit.
- Excelled in Texas 50(a)(6) loans knowledge applied to those mortgages for homeowners in Texas.
- Surpassed communication expectations via excellent written and verbal skills to all operations staff involved from initial underwrite through closing.
- Performed detailed analysis of non-conforming, portfolio, and conforming files to support compliance with internal and agency guldelines to ensure salability.
- Provided guidance and assistance to junior underwriters regarding loan underwriting processes and procedures.
Underwriter II
FGMC/Goodmortgage
Plano, TX
09.2020 - 04.2022
- Analyzed loan documentation for completeness and accuracy, including but not limited to the URLA application, income documents, credit report, title documents, purchase contract, trusts, appraisal and all applicable compliance documents.
- Named Top Retail Underwriter – November 2020 with 98 new loan submittals underwritten and approved in 30 days.
- Balanced the need for loan-volume growth with equally important necessity of best underwriting quality to minimize risk while maximizing profitability.
- Fast track trained on Non-QM products and mastered 24 months asset-based income calculation.
- Improved SLA turn time requirements by 30%.
- Exhibited keen mindfulness, written and oral communication skills, and thriving in a team atmosphere volunteering whenever the need arose.
Senior Underwriter
Nationstar/Mr. Cooper
Irving, TX
10.2012 - 08.2020
- Frontline conventional underwriter including: FNMA, FHLMC, DU REFI Plus, LP Open Access, HomePath, TX 50(a)(6), Non-Agency Jumbo loans and non-credit qualifying FHA streamlines.
- Hand picked for Non-Agency Jumbo underwriting team with loan amounts in excess of $1M.
- Distinguished honor of 2nd place Top Underwriter for the year 2015.
- Increased the level of quality of loans with zero audit findings during the nearly 8 years employed.
- Achieved FHA DE Chums # and assisted with overflow of FHA streamline refinance loans.
Sr Underwriter
ISGN
03.2012 - 10.2012
Mortgage Underwriter
Indecomm Global Services - Vereit Inc, Real Estate Domain
04.2011 - 03.2012
Education
Bachelor of Science - General Management
Purdue University
West Lafayette, INSkills
Credit & Income Analysis
Customer Service
DU/LPA, Conventional, Non-Conforming
Non-Agency Jumbo
Manual underwriting
Strong mathematical aptitude
Detail Oriented
Problem solving
CRA, DPA, PA Housing Bond
Condo, manufactured housing, 1-4 units
Written and verbal communication skills
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Whether you think you can or whether you think you can’t, you’re right!
Henry Ford
Timeline
Sr Underwriter
Kinecta Federal Credit Union
08.2022 - 01.2024
Underwriter II
FGMC/Goodmortgage
09.2020 - 04.2022
Senior Underwriter
Nationstar/Mr. Cooper
10.2012 - 08.2020
Sr Underwriter
ISGN
03.2012 - 10.2012
Mortgage Underwriter
Indecomm Global Services - Vereit Inc, Real Estate Domain
04.2011 - 03.2012
Bachelor of Science - General Management
Purdue University