GINA BALDERRAMA
Oakland,FL
Summary
Dynamic Senior Mortgage Underwriter with robust background in senior mortgage underwriting. Proven track record of surpassing production goals while ensuring compliance and minimizing risk. Demonstrated proficiency in credit analysis and decision-making. Strong leadership and communication skills that enhance team collaboration and drive exceptional loan quality.
Overview
36
36
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
Digital Risk / Bank of America
01.2025 - 03.2025
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
Call Transfer Sales Agent
Hilton Grand Vacations
01.2023 - 10.2024
- Inbound call transfer agent for Hilton Honor guests to present travel get away promotions.
- Sold guests correct travel products based on customer needs, product specifications and applicable regulations.
- Contributed to team objectives in fast-paced environment.
- Achieved or exceeded company-defined sales quotas.
Senior Mortgage Underwriter
Homepoint Financial
08.2016 - 12.2022
- Maintained mortgage program compliance with federal agencies such as VA, HUD, FNMA and FHLMC.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Consistently surpassed production underwrite goals each month and met high quality and compliance benchmark requirements.
Manager Mortgage Collateral Cure Team
Mission Capital
01.2016 - 08.2016
- Directed a high-performing 9-member remote Collateral Cure Compliance team for a major mortgage portfolio custodian.
- Meticulously assessed post close critical collateral documentation to determine the accuracy of chain of mortgage Deed Assignments transfers and Allonge to Promissory Note histories.
- Extrapolated data necessary to research, cure, and correct vital document errors before transfer of bulk mortgage portfolio to investors.
- Collaborated with senior management and bank portfolio representatives in reporting team findings, completed resolutions, and confirmation of remediations.
Senior Mortgage Underwriter
Recovco Mortgage
03.2015 - 12.2015
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Checked personal and team calculations to validate information and underwriting decisions.
- Calculated applicant income, assets and credit history to support compliance with underwriting guidelines.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
Senior Mortgage Underwriter
Clayton Holdings LLC
02.2014 - 03.2015
- Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Mitigated risks associated with loan approvals, conducting thorough due diligence on borrower profiles and property valuations.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
Senior Securitization Mortgage Underwriter
CoreLogic
09.2013 - 11.2013
- Identified possible fraud risks through meticulous evaluation of application materials for major bank lender.
- Performed mortgage loan audits to ensure underwriting guideline adherence across bank lender portfolio in a “White Room” private environment.
- Executed due diligence for collateral investigation in extracting loan file data for BSA and AML assessment determination.
Senior Mortgage Underwriter
JP Morgan Chase
07.2012 - 02.2013
- Maintained mortgage program compliance with federal agencies such as HUD, and FNMA
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
In-Line Quality Assurance Contract Underwriter
Bank of America
08.2011 - 07.2012
- Conducted HAMP and HARP mortgage modification audits to determine that the initial lending decision was accurate based upon file documentation including asset review, appraisal, and title evaluation.
- Re-evaluated borrower income calculations in real time for FNMA, FHLMC, and NACA programs to ensure present income met regulation guidelines.
- Authored findings and communicated risk failure determinations, declinations, and rebuttals to internal AWARE team.
- Reached a 98% quality assurance performance of assigned mortgage files, ensuring accuracy and compliance of findings.
- Collaborated on Special Assignment team to enhance mortgage file templates, leading to improved accuracy descriptions and increased underwriting performance for front-line and ILQA teams.
Credit Risk Underwriter
Clayton Holdings for United Guarantee Mortgage Insurance
05.2011 - 07.2011
- Analyzed mortgage performance failures resulting in foreclosures of Sub-prime, Alt-A, and Prime MBS loans to establish validity if a MI or PMI claim was substantiated to be paid to the insurer.
- Performed comprehensive evaluations of the original credit scores/history, mortgage applications, income analysis, debt assessment, asset documentation, loan-to-value ratios, property valuations, title documents, and appraisals supported the initial lending decision.
- Authored evaluation of findings for each mortgage transaction and communicated to MI insurer.
- Coordinated with third-party servicers and insurance trustees for loss validation and reconciliation
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
11.2010 - 04.2011
- Underwrote Conventional, FHLMC, FNMA, VA, FHA, and HARP loan modifications with primary lending authority of $750,000 and secondary mortgage authority of $125,000.
- Assisted and underwrote a backlog of pending loan transactions by providing critical support in obtaining needed documentation from borrowers and third-party vendors to render final underwriting decisions.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Senior Mortgage Forensic Underwriter
Digital Risk for Radian Mortgage Insurance
03.2009 - 11.2010
- Conducted meticulous evaluation of MI & PMI claims on behalf of mortgage insurer.
- Performed review of initial credit decision ensuring all income, assets, appraisal, and title were in alignment with established risk parameters and in compliance with company and secondary market investor guidelines at time origination.
- Scrutinized a variety of lending evaluations (e.g., DU, LP, CLUES, LoanServ, Clout and Zippy) to verify accurate representation of qualification documentation.
- Conducted borrower interviews for each mortgage transaction to confirm if specific loan file details were accurate at the time of loan origination.
- Initiated and applied fraud detection techniques to determine Borrower history accuracy and promptly reporting authored final findings to internal representatives.
Branch Manager
Household Finance / HSBC
01.1989 - 12.2008
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency in mortgage and consumer loan origination and underwriting, ensuring timely execution of tasks and optimal resource allocation.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
Education
Eisenhower Senior High School
Rialto, CA Banking And Finance
Riverside City College
Riverside, CABanking And Finance
Miracosta College
Oceanside, CASkills
- Experienced DE underwriter
- Fannie Mae guidelines expertise
- Effective decision-making
- Loan Underwriting expertise
- Non-QM loan proficiency
- Debt-to-income analysis
- Asset statements
- Residual incomes
- Performance appraisal review
- Teamwork
- Problem-solving
- Leadership skills
- Excellent communication
Certification
- Florida Certified Notary Public
- Florida Real Estate License
Timeline
Senior Mortgage Underwriter
Digital Risk / Bank of America
01.2025 - 03.2025
Call Transfer Sales Agent
Hilton Grand Vacations
01.2023 - 10.2024
Senior Mortgage Underwriter
Homepoint Financial
08.2016 - 12.2022
Manager Mortgage Collateral Cure Team
Mission Capital
01.2016 - 08.2016
Senior Mortgage Underwriter
Recovco Mortgage
03.2015 - 12.2015
Senior Mortgage Underwriter
Clayton Holdings LLC
02.2014 - 03.2015
Senior Securitization Mortgage Underwriter
CoreLogic
09.2013 - 11.2013
Senior Mortgage Underwriter
JP Morgan Chase
07.2012 - 02.2013
In-Line Quality Assurance Contract Underwriter
Bank of America
08.2011 - 07.2012
Credit Risk Underwriter
Clayton Holdings for United Guarantee Mortgage Insurance
05.2011 - 07.2011
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
11.2010 - 04.2011
Senior Mortgage Forensic Underwriter
Digital Risk for Radian Mortgage Insurance
03.2009 - 11.2010
Branch Manager
Household Finance / HSBC
01.1989 - 12.2008
Eisenhower Senior High School
Banking And Finance
Riverside City College
Banking And Finance
Miracosta College
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