Summary
Overview
Work History
Education
Skills
Timeline
Generic

Donna Porter

Jacksonville,FL

Summary

Proven ability to manage and minimized loss and errors. A strong team builder and leader that enjoys a challenge of acquisitions, integrations, organizational restructuring and product development of expansion, and taking projects from concept through completion. Skilled Underwriter specializing in Conventional loans, offering more than eight years of experience in mortgage. Highly adept in underwriting moderate to complex policies, achieving new business and renewal goals and maintaining loss control and risk management levels. Instrumental in facilitating development and deployment of new products.

Overview

4
4
years of professional experience

Work History

Underwriter III

Sutherland Global
Pittsford, NY
03.2021 - 06.2022
  • Exercised judgment in making sound decisions based on eligibility requirements to meet FNMA/FHLMC and portfolio/private investor, secondary marketing and PMI guidelines
  • Proactively and effectively management pipeline in accordance with performance expectations
  • Underwrote jumbo and non-QM residential loans with credit authority up to $2 million
  • Strong knowledge of income calculations, tax returns, reading credit reports, assets and collateral documentation for Conventional loans.
  • Supported review and acceptance or denial of new or renewal business.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions

Underwriter III

Digital Risk
JACKSONVILLE, FL
11.2019 - 03.2021
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process
  • Reviewed risk on conventional loan files in timely manner and decision for either approval or consideration for denial
  • Supported review and acceptance or denial of new or renewal business.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
  • Review conventional mortgages and defended lenders from FNMA, FHLMC and MI claims

Credit Underwriter 4

Citibank Mortgage
JACKSONVILLE, United States
09.2018 - 11.2019
  • Review financial statements, credit reports, and applicable ratios for loan up to $750,000
  • Analyzed and evaluated collateral, credit and financial status of individuals to grant Harp and Conventional loans
  • Ensured that loans adhered to program guidelines and compliance; performed due diligence
  • Reviewed and examined mortgage loans to ensure soundness and compliance to guidelines and investors standards meet.
  • Developed spreadsheet models for diverse projects and analysis.
  • Created and maintained precise and accurate models, charts and reports.

Consumer Loan Underwriter

Wells Fargo
JACKSONVILLE, United States
01.2018 - 09.2018
  • Approved Harp loan amounts up to $417,000 and analyzing borrower overall creditworthiness
  • Ensure that loan documents are reviewed consistently and uphold to company and industry guidelines
  • Implement fraud detection techniques; perform compliance reviews.
  • Facilitated effective project management on complex underwriting issues for senior leadership, slashing budget concerns by 100%.
  • Cut loan approval lags by 90% by ensuring adherence to all conditions.
  • Analyzed applicant profiles and credit histories while reviewing loan approval contingencies to execute accurate and speedy pricing initiatives

Education

B.S - Business Administration

Jones College
4.2008

Skills

  • PowerPoint, Excel, Word,MS Project, Acrobat, MS Outlook, Internet Protocol
  • Automated and manual Underwriting Systems
  • Analyzing Data
  • Desktop Underwriter
  • Underwriting Understanding
  • Production Goals
  • Environmental Underwriting
  • Commercial Real Estate

Timeline

Underwriter III

Sutherland Global
03.2021 - 06.2022

Underwriter III

Digital Risk
11.2019 - 03.2021

Credit Underwriter 4

Citibank Mortgage
09.2018 - 11.2019

Consumer Loan Underwriter

Wells Fargo
01.2018 - 09.2018

B.S - Business Administration

Jones College
Donna Porter