Garth Hudson
Vermilion,OH
Summary
Accomplished Underwriter with expertise in risk assessment, credit analysis, and quality control. Proven ability to exceed production goals and train new hires, ensuring high standards in underwriting processes. At Mr. Cooper and TD Bank I was the top performer or at a minimum, a top 5 performer based on their metrics for most months.
Overview
9
9
years of professional experience
Work History
Underwriter II
Mr. Cooper Mortgage
Dallas, TX
10.2020 - 01.2026
- Analyzed mortgage applications to assess risk and determine eligibility for financing options.
- Reviewed credit reports, income documents, and asset statements for accuracy and completeness.
- Trained incoming underwriters to meet Mr. Cooper's quality and production requirements.
- Exceeded production and quality goals while maintaining a pipeline that was typically over 120 loans.
- Underwrote conventional refinances, conventional purchases, and second liens.
Underwriter III
TD Bank
Jacksonville, FL
10.2016 - 10.2020
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Top performer based on TD's metrics every month I was there.
- Had a 750K lending authority on first liens and a 250K lending authority on second liens.
- Underwrote conventional purchase and refi loans, jumbo purchase and refi loans, and second liens.
- Made approval and denial recommendations by determining accurate risk levels.
Education
High School Diploma -
Notre Dame High School
Lawrenceville, NJSkills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Quality control
- Credit analysis
Timeline
Underwriter II
Mr. Cooper Mortgage
10.2020 - 01.2026
Underwriter III
TD Bank
10.2016 - 10.2020
High School Diploma -
Notre Dame High School