Dyana Sanders
Pataskala,OH
Summary
I've been in the mortgage industry for over 30 years. I consider myself diligent and knowledgeable in all phases of mortgage lending.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter / Team Lead
Amerisave Mortgage
09.2019 - 10.2022
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Underwriter / Due Diligence
Clayton Services
Tampa, FL
01.2010 - 07.2019
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Education
Diploma -
Gahanna Lincoln High School
Gahanna, OHSkills
- Documentation Review
- Residential mortgage lending regulations
- Application Analysis
- FNMA Guidelines
- Debt-to-Income Ratios
- Asset Statements
- Loan Evaluation
- Asset Appraisal
- Residual Incomes
- Collateral Valuation
- Credit analysis
- Attention to Detail
Certification
DE Certified.
Timeline
Mortgage Underwriter / Team Lead
Amerisave Mortgage
09.2019 - 10.2022
Underwriter / Due Diligence
Clayton Services
01.2010 - 07.2019
Diploma -
Gahanna Lincoln High School