Elaine Lawshe

Sr Mortgage Underwriter

American Mortgage Services, Inc

12.2004 - Current

Reviewed mortgage applications for completeness and accuracy.
Assisted in evaluating borrower creditworthiness through financial analysis.
Collaborated with team to streamline underwriting processes and improve efficiency.
Learned compliance regulations and risk assessment techniques for mortgage underwriting.
Maintained detailed documentation of underwriting decisions and rationale.
Engaged in continuous learning on industry trends and best practices in mortgage underwriting.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Verified integrity of applicants' information to minimize fraud.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
Adapted quickly to new underwriting software and tools, enhancing workflow productivity.
Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
Trained junior team members in underwriting procedures and loan quality grading standards.