Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Gayle L. Meyer

Littleton,CO

Summary

MORTGAGE UNDERWRITER Expertise in Conventional, FHA, VA & Fannie Mae Loans Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality. Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close. Skilled at reviewing documents and making accurate decisions. Bringing firm grasp of risk assessments, hazard recognition and acceptance criteria. Analytical [Job Title] with expertise in [Area of expertise]. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.

Overview

20
20
years of professional experience
1
1
Certification

Work History

Remote: Sr. Mortgage Underwriter

Hancock Whitney Bank
09.2020 - 03.2023
  • Duties consist of reviewing and underwriting conventional mortgage loan applications submitted by Loan Originators at Hancock Whitney Bank
  • The responsibility of the underwriter is to ensure all documentation is provided and following all investor guidelines, compliance and AUS findings
  • Knowledge of the loan programs, overlays, red flags, compliance and structuring of loans is necessary to provide qualified decisions to approve or decline files
  • Files are reviewed to meet qualified guidelines, review income, assets, potential fraud, meet compliance and AUS findings for loan approval
  • The file is conditioned for required documentation from the borrower then returned to the loan officer and processor to fulfill the required conditions
  • When all documentation, guidelines and conditions have been met, the underwriter may then give final loan approval
  • Notes with daily file records were required.

Sr. Mortgage Underwriter

First Financial Bank
07.2020 - 09.2020
  • Duties consisted of a full review for mortgage loans
  • This included reviewing required documentation of income, assets, and appraisals according to program guidelines and for accuracy
  • Also, communicating with the processors, compliance, and loan officers to resolve any outstanding issues or discuss the AUS findings
  • Once all guidelines and conditions had been met the underwriter would review and issued final approval or denial while making sure to meet the required deadlines
  • Notes with daily file records were required
  • An average of 2-3 loans plus resubmissions were reviewed per day.

Remote: Customer Service Rep/ICO

Advantage Credit
06.2019 - 02.2020
  • Duties were producing credit supplements for the credit reports for various mortgage companies and their potential borrowers
  • Communication with lenders and brokers for the supplement requests, contacting creditors directly via fax, email or phone, plus conducting conference calls with the borrowers and their creditors to verify information required to produce the accurate credit supplement
  • Originally worked in the ICO department for 2 weeks prior to CSR which was incoming calls and handling application corrections, assisting in pulling of credit reports for lenders and directing calls to correct locations.

Remote Junior Underwriter/PNC Underwriter

American Financing Corporation
09.2016 - 06.2018
  • Duties consisted of entering the front underwriter’s queue’s, clearing documentation leaving upfront underwriters with only assets, title and appraisal for review
  • This also included double checking of documentation previously cleared by the front underwriters, (income, assets etc.), and addressing of any errors
  • Other duties consisted of reviewing processing issue files to see if we could move them forward to be approved for mortgage loans
  • For one year worked as a PNC Underwriter, (Purchase No Contract), underwriting credit, income and assets to qualify borrowers for a home purchase
  • I had direct contact with processors, MC’s, Coordinators and management
  • Upon arrival of new management, I was moved back to Jr
  • Underwriter and the position was discontinued shortly thereafter.

CTC Underwriter

American Financial Resources Inc, Remote
01.2013 - 01.2015
  • (Clear to Close/QC) Department: Duties consisted of final review of existing or missing required documentation and conditioning of each loan file prior to closing
  • This also included detail correction of any errors within the file
  • Knowledge of loan programs, guidelines, state lending rules and updates were a constant factor
  • Upon completion of initial review, account managers and underwriters were notified of any corrections required, and once completed the file was returned to CTC department for final review
  • The file was not allowed to close until all corrections were completed and cleared by CTC
  • This enabled all closed loans to be purchased quickly, enabling a higher company volume
  • Department responsibilities were dispersed to the underwriters and all CTC personnel went to Operations Support Pods
  • The responsibilities were to assist account managers and underwriters in obtaining/updating of required documentation in the process field and verifying accuracy of documentation for underwriters
  • High production & task completion volume was required.

Set Up Processor/Pre-Underwriter

Metlife Home Loans
09.2011 - 03.2012
  • Duties consisted of set up, disclosure, and preparation of all required and legal documentation for submission of all new loan application packages
  • Which included accuracy of loan product, compliance, lending regulations and application information, uploading files into workflow, ordering appraisals, title, and execution of the 4506T
  • Duties also included communication with borrowers to insure they are still engaged, collection of programs required documentation and fees from potential borrowers
  • The completion of MCQC, Net Benefit, and High Cost checklists
  • Upon returned of documentation it was necessary to verify all documentation was correct and DTI/LTV fit loan programs as a pre-underwrite
  • Assisting in any and all aspects to ensure that all current loans are processed, closed and funded accurately in a timely fashion.

Underwriter Remote: Underwriter

Global Financial
04.2011 - 09.2011
  • Scrubber Level 1, 2
  • Trailing Docs: Contracted to re- underwrite and scrub mortgage loan portfolios associated to various clients involved in litigation
  • Clients included either plaintiff or defendant in such cases, and included projects for high profile, well-known mortgage investment companies
  • Duties included input into testing system from documentation in file, and testing of evidenced documentation
  • Both automated and manual forms of re-underwrite were required for the Retail/Wholesale divisions
  • Also, the Correspondent Lending/Manual Underwrite division
  • This included automated or manual testing, detailing of results, and not limited to one area of review
  • Learning of necessary guidelines and requirements for each of the various loan products, and the ability to analyze on an individual loan to loan basis was required to complete analysis for all divisions
  • Manual calculation for accurate DTI/LTV percentages and evidencing of the documentation and percentages were necessary on each file
  • Detailed noting of each file, and documenting location & labeling of all required documentation.

Loan Processor

Rose International Inc, Bank of America
12.2009 - 03.2011
  • Duties were to obtain, qualify, prepare and ensure packaging of loans originated by loan officers
  • Direct communication with the borrowers as to obtaining and explaining of required documentation in a timely manner
  • Verify loan documents including income, credit, appraisal and title insurance
  • Also, to order and coordinate loan documents, as well as meet crucial deadlines as requested.

Loan Processor

Robert Half International / Accountemps, Wells Fargo Home Mortgage
05.2009 - 12.2009
  • Duties were to obtain, qualify, prepare and ensure packaging of loans originated by loan officers
  • Communication with the borrowers, verify loan documents including income, credit, appraisal and title insurance
  • Also, to order and coordinate loan documents, as well as meet crucial deadlines as requested.

Owner/Operator/Underwriter

GMH Financial
04.2003 - 05.2009
  • Duties consist of originating, meeting with, qualifying and underwriting of loans for potential customers
  • Structuring, processing, underwriting, submitting and closing of mortgage loan packages to various investors on behalf of numerous clients
  • Including the quaqlifying, underwriting, completion and overseeing of required documentation, obtaining verifications, meeting required conditions and working directly with the investor underwriters and customers to insure closing of such loans according to all governing laws and guidelines
  • As a direct correspondent with some investors, I also handled and prepared the closing documentation
  • Loan types were VA, Conventional, Non-conforming, and FHA
  • Owner operator.

Education

No Degree - Mortgage Underwriting

National Association of Mortgage Underwriters
Online
08.2020

Real Estate Sales - undefined

Barnes Business College
1985

Finance and Insurance - undefined

Barnes Business College
1984

Skills

  • Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Account Service Excellence
  • PROFICIENT IN:
  • Encompass, Byte, Data Trac, Doc Trac, Calyx, Microsoft Word, Excel, Outlook, and a variety of finance programs (what programs?)
  • Environmental Control
  • Government Lending
  • Influencing Business Growth
  • Customer Satisfaction
  • Data Collection
  • Data Privacy
  • Loan Product Knowledge
  • Home Mortgage Disclosure Act
  • Guidelines Knowledge
  • Analysis and Evaluation
  • Desktop Underwriter
  • Government Standards
  • Inspection Reviews
  • Quality Control
  • Quality Assurance
  • Critical Thinking
  • Active Listening
  • Time Management
  • Calyx Point
  • Mathematics
  • Judgment and Decision-Making
  • Loan Evaluations
  • Banking Standards
  • Loan Restructuring
  • Fraud Detection Techniques
  • Risk Evaluation
  • Complex Problem-Solving
  • USA Patriot Act
  • Credit Application Review

Certification

  • Underwriting, National Association of Underwriters- March 2020 - Present

Timeline

Remote: Sr. Mortgage Underwriter

Hancock Whitney Bank
09.2020 - 03.2023

Sr. Mortgage Underwriter

First Financial Bank
07.2020 - 09.2020

Remote: Customer Service Rep/ICO

Advantage Credit
06.2019 - 02.2020

Remote Junior Underwriter/PNC Underwriter

American Financing Corporation
09.2016 - 06.2018

CTC Underwriter

American Financial Resources Inc, Remote
01.2013 - 01.2015

Set Up Processor/Pre-Underwriter

Metlife Home Loans
09.2011 - 03.2012

Underwriter Remote: Underwriter

Global Financial
04.2011 - 09.2011

Loan Processor

Rose International Inc, Bank of America
12.2009 - 03.2011

Loan Processor

Robert Half International / Accountemps, Wells Fargo Home Mortgage
05.2009 - 12.2009

Owner/Operator/Underwriter

GMH Financial
04.2003 - 05.2009

No Degree - Mortgage Underwriting

National Association of Mortgage Underwriters

Real Estate Sales - undefined

Barnes Business College

Finance and Insurance - undefined

Barnes Business College

Similar Profiles

CREATE PROFILE
Gayle L. Meyer