Haley Salazar
Jarrell,TX
Summary
Experienced underwriter specializing in DSCR loans, demonstrating high levels of productivity and efficiency in task completion. Strong skills in risk assessment, financial analysis, and adherence to regulatory standards. Adept at critical thinking and problem-solving, ensuring accurate application evaluations and sound decision-making.
Overview
5
5
years of professional experience
Work History
Underwriter
TheLender
Lake Forest, California
08.2026 - Current
- Assessed financial documents to determine mortgage eligibility, ensuring alignment with lending guidelines.
- Reviewed property appraisals for accurate valuations and regulatory compliance, mitigating risk in lending decisions.
- Evaluated loan applications for creditworthiness and risk assessment to mitigate potential risks.
- Clarified borrower information and requirements with loan officers and brokers to streamline application processes.
Underwriting Manager
Visio Lending
Austin, TX
01.2026 - Current
- Led executive underwriting committee that evaluated complex, exception-based loan scenarios, improving consistency in risk decisions.
- Implemented guideline changes following monthly risk reviews to strengthen underwriting quality and reduce exposure.
- Partnered with Sales and Operations to resolve high-risk loan scenarios while maintaining investor compliance.
- Identified and implemented process improvements to enhance underwriting accuracy and efficiency.
- Developed onboarding and training materials for new underwriters, accelerating team readiness.
- Hosted monthly risk forum to disseminate current risk trends and equip departments for fraud prevention throughout the loan lifecycle.
- Created matrix for brokers to streamline communication and enhance business opportunities.
Underwriting Team Lead
Visio Lending
Austin, TX
09.2025 - 01.2026
- Designed and implemented new production-tracking methods, resulting in a 65% increase in team productivity.
- Led daily underwriting operations, overseeing task delegation, pipeline management, and performance monitoring to ensure operational efficiency.
- Collaborated cross-functionally to streamline underwriting processes and improve communication, resulting in enhanced loan quality.
- Served as primary escalation point for complex underwriting cases, presenting findings and recommendations to executive committee.
DSCR and Collateral Underwriter
Visio Lending
Austin, TX
08.2024 - 09.2025
- Issued collateral and underwriting decisions, documenting conditions for loan approval to ensure compliance and risk management.
- Contributed to executive committee, assessing high-risk underwriting scenarios to inform strategic decision-making outside guideline parameters.
- Identified recurring appraisal issues and recommended workflow enhancements to streamline processes and improve accuracy.
- Maintained consistent productivity and quality metrics while managing a high-volume pipeline.
Junior Underwriter
Visio Lending
Austin, TX
04.2024 - 08.2024
- Reviewed investor loan files for accuracy and adherence to program guidelines, ensuring compliance and reducing risk.
- Reviewed investor loan files for accuracy, completeness, and adherence to program guidelines.
- Performed background checks and analyzed findings to inform underwriting decisions, enhancing assessment quality.
- Performed background checks and analyzed findings to support underwriting decisions.
- Assisted with clearing conditions and communicated requirements to internal teams, facilitating timely processing.
Operations Support Specialist
Visio Lending
Austin, TX
02.2022 - 04.2024
- Entered and verified loan data in Calyx Point, achieving high data integrity through meticulous attention to detail.
- Executed quality control checks to verify accuracy and completeness of loan documentation, enhancing reliability of processed loans.
- Updated and maintained knowledge of operational procedures, program guidelines, and system workflows to ensure compliance and operational effectiveness.
Education
Bachelor of Arts - Psychology
The University of Texas At Austin
Austin, TX05-2019
Skills
- Loan evaluation
- Underwriting guidelines
- Risk assessment
- Regulatory compliance
- Fraud detection
- Financial analysis
- Credit analysis
- Appraisal review
- Calyx Point
- Encompass
- Salesforce
Timeline
Underwriter
TheLender
08.2026 - Current
Underwriting Manager
Visio Lending
01.2026 - Current
Underwriting Team Lead
Visio Lending
09.2025 - 01.2026
DSCR and Collateral Underwriter
Visio Lending
08.2024 - 09.2025
Junior Underwriter
Visio Lending
04.2024 - 08.2024
Operations Support Specialist
Visio Lending
02.2022 - 04.2024
Bachelor of Arts - Psychology
The University of Texas At Austin