Summary
Overview
Work History
Education
Skills
References
Certification
Timeline
Generic

Erin Davis

Pelzer,SC

Summary

Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage Underwriter. Successful in handling high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.

Overview

25
25
years of professional experience
1
1
Certification

Work History

MORTGAGE UNDERWRITER

TRUIST BANK
03.2020 - 02.2024
  • Underwrite Assumption, Conventional, Affordable Housing, VA and Loan Take Out (Under Construction) loans to determine qualifications with company and investors guidelines.
  • Review and update accuracy of loan application with AUS - LP/DU.
  • Thoroughly review and approve appraisal reports with the use of the GAAR, Freddie Mac and Fannie Mae Collateral Underwrite systems.
  • Assist internal mortgage teammates with loan questions regarding product guidelines, loan documents and loan conditions.
  • Analyze personal and corporate tax returns to determine income qualification for self-employed borrowers.
  • Review pre-closing title documentation which includes: Title Commitment, Closing Protection Letter, Settlement Statement.
  • Review insurance limitations and accuracy of the homeowner's insurance policy for the subject property.
  • Accomplishments: Ranked within top 20 companywide monthly. Assist training new hired underwriters. VA certification.

MORTGAGE LOAN PROCESSOR III

BB&T NOW TRUIST BANK
09.2018 - 02.2020
  • Review residential loan applications to verify the completeness of data.
  • Determine if applications meets lender guidelines, mortgage insurance overlays and/or internal company overlays for loan approval.
  • Process all loan types which includes: USDA, VA, State Housing, Construction, Equity Line of Credit, Conforming, Non-Conforming, Conventional, Jumbo, Physician.
  • Reviews accuracy of loan documents, income requirements, assets, appraisals, credit reports, title documents, Homeowner's insurance and AUS (LP/DU/GUS).
  • Assists Loan Officers regarding mortgage loan questions and follow up with clients to collect all documents that are necessary for underwriting approval.
  • Obtain internal and external payoffs for all mortgage refinances along with additional creditors.
  • Follows compliance rules and regulations within the mortgage lending practices.
  • Assist coworkers with the process and knowledge of government loan product guidelines.
  • Follow up on 3rd party documents for loan approval.
  • Accomplishments: Ranked within the top 10 company wide monthly. Assist with training new hired Loan Processors. Employee relocation loan review team.

MORTGAGE LOAN PROCESSOR

ON Q FINANCIAL
08.2016 - 06.2018
  • Reviews residential loan application files to verify the completeness of data and meets with the lender guidelines.
  • Reviews accuracy of loan documents, income requirements, assets, credit report, appraisals and AUS (LP/DU/GUS).
  • Contact clients to collect and follow up for all documents that are necessary for underwriting approval/Clear to Close.
  • Contact 3rd party affiliates for property information/documentation - attorney, insurance agents, appraisal companies.
  • Request Closing Disclosures within the TRID time frame requirement.
  • Review Closing Disclosure for accuracy and update the closer for additional 3rd party fees, if needed.
  • Continuously discuss the pipeline report with the Mortgage Consultant and Transaction Coordinator regarding closing dates and/or any urgent matters.
  • Refer new clients to Mortgage Consultants within the branch.


REGIONAL MORTGAGE PROCESSOR

UNITED COMMUNITY BANK
08.2015 - 08.2016
  • Reviews residential loan application files to verify the completeness of data and meets with the lender guidelines.
  • Reviews accuracy of loan documents, income requirements, assets, appraisals, credit reports and AUS (LP/DU/GUS).
  • Reviews documentation required for the loan approval for underwriting submission.
  • Follow up with clients to collect all documents that are necessary for underwriting approval.
  • Order and review title/homeowner's insurance information.
  • Discuss with Loan Officer any issues with the loan files or closing dates.

UNDERWRITING COORDINATOR

FIRST BANK MORTGAGE PARTNERS
06.2014 - 03.2015
  • Reviews residential loan applications for completeness of data and accuracy prior to underwriting.
  • Pre-underwrite all conventional loans with Freddie Mac or Fannie Mae guidelines.
  • Review appraisals, credit reports, AUS (LP/DU/GUS) for accuracy.
  • Review loan documents, income and assets for accuracy within the compliance guidelines.
  • Review pre-closing information which includes: HOI, Title Commitment, CPL, HUD, Attorney's E&O insurance for accurate information pertaining to the property.

MORTGAGE LOAN PROCESSOR III

BB&T
08.2004 - 06.2014
  • Reviews residential loan application files to verify the completeness of data and meets with the lender guidelines.
  • Process USDA, FHA, VA, State Housing, internal loan programs proficiently and within the guidelines.
  • Reviews accuracy of loan documents, income requirements, assets, appraisals, credit reports and AUS (LP/DU/GUS).
  • Assists the Loan Officers regarding mortgage loan guidelines and follow up with clients to collect all documents that are necessary for underwriting approval.
  • Obtain internal and external payoffs for all mortgage refinances.
  • Follows compliance rules and regulations within the mortgage lending practices.
  • Team Lead/Assistant Manager (2007-2012) - Assist ML Processing manager with management duties which included pipeline reporting, training, problem solving.
  • Accomplishments: Top 20 Processor with in the bank region monthly.
  • Saved bank from 12 million dollars of mortgage fraud
  • Certified through BB&T University as a Mortgage Processor III.

QUALITY/PRODUCTION OPERATOR

ROBERT BOSCH CORPORATION
09.1998 - 08.2002
  • Inspect and test automotive parts for quality assurance
  • Knowledge of SAP system for tracking delivery of parts in designated departments
  • Knowledge of QS9000 safety guidelines
  • Accomplishments: Quality and Delivery Team Leader

Education

PALMETTO HIGH SCHOOL
01.1995

Skills

  • Possess excellent knowledge of Mortgage loan operations, underwriting guidelines, policies and procedures
  • Proficient knowledge of FHA, VA, USDA and SC State Housing guidelines/loan products
  • Meeting deadlines
  • Problem solving
  • Maintain client confidentiality
  • Data analysis, management and daily pipeline reporting
  • Microsoft Office programs (Word, PowerPoint, Outlook & Excel)
  • Experience with Encompass, Unifi, Empower and Data Verify
  • Excellent customer service
  • Team involvement
  • Attention to Detail
  • Analytical Skills
  • Organizational Skills
  • Multitasking Abilities

References

REFERENCES AVAILABLE UPON REQUEST

Certification

  • Veteran's Affairs Loan certification - 2023
  • NMLS license #1134541

Timeline

MORTGAGE UNDERWRITER

TRUIST BANK
03.2020 - 02.2024

MORTGAGE LOAN PROCESSOR III

BB&T NOW TRUIST BANK
09.2018 - 02.2020

MORTGAGE LOAN PROCESSOR

ON Q FINANCIAL
08.2016 - 06.2018

REGIONAL MORTGAGE PROCESSOR

UNITED COMMUNITY BANK
08.2015 - 08.2016

UNDERWRITING COORDINATOR

FIRST BANK MORTGAGE PARTNERS
06.2014 - 03.2015

MORTGAGE LOAN PROCESSOR III

BB&T
08.2004 - 06.2014

QUALITY/PRODUCTION OPERATOR

ROBERT BOSCH CORPORATION
09.1998 - 08.2002

PALMETTO HIGH SCHOOL

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