Open To Work
DONNA Martin
3923 NE Sequoia Street,KS
Work Preference
Job Search Status
Open to workDesired Job Title
Sr. Underwriter Team Lead; FHA/DE: VA LAPP/SAROperations Manager Sr. UnderwriterSr. VA Mortgage Underwriter; FHA DE/VA LAPP/SARSr. Mortgage Underwriter FHA/DE; VA LAPP/SARSalary Range
$100000/yr - $200000/yrSummary
My goal is to continue learning and grow throughout my career. I am self-motivated and progress driven. I have 25 years of Underwriting experience. I pay attention to detail and must review all documents for accuracy and compliance and detect fraud. I'm always up for a challenge. I have developed client relations, fraud alerts, compliance, and credit risk expertise. I am experienced in reviewing complex, personal, and business tax returns to determine income and business loss. I analyze the balance sheets to determine how effectively a company's management uses its resources. I use financial acumen skills to figure out how to overcome obstacles and make wise decisions. My position requires me to review all documents, Income, assets, title commitments exceptions, credit reports, appraisals, condo approval, power of attorney, trust. I am responsible for validating accuracy, correcting errors, and detecting fraud. I perform in a time-sensitive environment producing high volume with 100% quality control. I Adapt to change, adhere to tight deadlines
Overview
20
20
years of professional experience
12
12
years of post-secondary education
Work History
Sr. Mortgage Underwriter FHA/DE; VA LAPP/SAR
Farmers Bank of Kansas City [913]402-7257
14231 Metcalf Ave, Overland Park, KS 66223
01.2023 - Current
- Maintained mortgage program compliance with federal agencies: VA, FHA,, USDA, FNMA, Freddie, Jumbo, and Second Mortgages. Reviewed investor guidelines and any overlays for each loan program.
- Evaluated mortgage applications for compliance with regulatory standards and internal policies.
- Determine income for complex Self-Employed borrowers.
- Leveraging AI to all eligible loans to enhance risk assessment, ultimately leading to better customer service.
- Evaluated mortgage applications for compliance with regulatory standards and internal policies.
- Write Up loan approvals clearly and precisely. Communicated with applicants and internal team members to discuss identified conditions needed for approval.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
- Collaborated with loan officers and processor to clarify applicant documentation and resolve discrepancies.
- Implemented process improvements that enhanced accuracy of underwriting decisions and reduced turnaround times.
- Verified integrity of applicants' information to minimize fraud. The use of my knowledge to make sound decisions on automated approved, and manually underwritten loans.
Sr. Underwriter Team Lead; FHA/DE: VA LAPP/SAR
Loan Depot [888]337-6888
2901 N Ventura Road, Oxford Ca,
10.2019 - 09.2023
- Maintained mortgage programs compliance with federal agencies: VA, FHA, USDA, FNMA, Freddie, Jumbo, Second Mortgage,
- Collaborated with loan officers to clarify applicant documentation and resolve discrepancies.
- Conducted VA training sessions training for the newly hired VA underwriter, to meet Loan Depot requirements and procedures.. I managed each new hire until they passed 10 test cases. I continued to assist with any questions.
- Maintained up-to-date knowledge of industry regulations and guidelines, ensuring compliance in all underwriting decisions.
- Continuously sought out opportunities for professional development, staying current with industry best practices and enhancing overall job performance.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- I consistently meet or exceeding monthly production goals. Fostering continues improvement. Effective leadership, open communication and feedback. Optimize workflow, maintain quality control.
- Reviewed complex loan files, ensuring thorough analysis of potential risks associated with lending decisions.
- Developed strategic recommendations to optimize underwriting workflows and improve overall team efficiency.
Operations Manager Sr. Underwriter
Zillow Home Loans [888-852-2212]
10975 El Monte St, Overland Park, KS 66211
05.2017 - 10.2019
- Worked with Third Party Originators, to help streamlined loan processing workflows, enhancing efficiency and reducing turnaround times.
- Facilitated communication between departments, promoting alignment on organizational goals and objectives.
- Developed and maintained relationships with external vendors and suppliers.
- Led cross-functional teams in implementing strategic initiatives to improve customer satisfaction.
- Analyzed operational data to identify trends, informing decision-making and process improvements.
- Developed training programs for staff, fostering skill development and operational excellence.
Sr. VA Mortgage Underwriter; FHA DE/VA LAPP/SAR
Veteran's United Mortgage [573]876-2600
550 Veterans United Drive, Columbia, MO 65201
04.2006 - 05.2015
- Evaluated loan applications for compliance with underwriting guidelines and risk assessment criteria.
- Analyzed credit reports and financial statements to determine borrower eligibility for mortgage products.
- Reviewed appraisals to verify property values and ensure alignment with lending standards.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Worked with processing team members to communicate errors and obtain missing documentation to expedite underwriting decision.
Education
High School Diploma -
05.1971 - 05.1983
- Relevant Coursework: Accounting & Business
Skills
- Strong decision-making
- Jumbo and super jumbo loans
- Quality control measures
- Collateral evaluation
- Loan modification experience
- Fraud detection
- Regulatory compliance
- Credit risk assessment
- Income calculation accuracy
- Underwriting guidelines
- Time management
- Problem-solving
- Leadership skills
- Professionalism
- Relationship management with TPO, "Third Party Originators"
Accomplishments
AI Underwriting
Encompass
Microsoft Excell
FHA DE
VA LAPP/SAR
A1 Underwriting
Timeline
Sr. Mortgage Underwriter FHA/DE; VA LAPP/SAR - Farmers Bank of Kansas City [913]402-7257
01.2023 - Current
Sr. Underwriter Team Lead; FHA/DE: VA LAPP/SAR - Loan Depot [888]337-6888
10.2019 - 09.2023
Operations Manager Sr. Underwriter - Zillow Home Loans [888-852-2212]
05.2017 - 10.2019
Sr. VA Mortgage Underwriter; FHA DE/VA LAPP/SAR - Veteran's United Mortgage [573]876-2600
04.2006 - 05.2015
Carrollton High School - High School Diploma,
05.1971 - 05.1983