H. DENISE EDWARDS
Phoenix,AZ
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Previously worked in the mortgage lending field for over 40 years until I retired in September 2021.
Overview
16
16
years of professional experience
Work History
Sr Loan Underwriter
New American Funding
14511 Myford Road, Suite 100, Tustin, CA 92780
08.2019 - 09.2021
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Proactively identified solutions for customers experiencing credit issues.
- Assessed loan portfolios for compliance with underwriting policies.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
Sr Underwriter
Cherry Creek Mortgage Company
Scottsdale, AZ
02.2017 - 11.2017
- Completed mortgage industry related courses throughout the years
- Underwrote FHA/Conv/Maricopa Bond/New Mexico bond/Tucson Bond
- Analyzed credit, assets and appraisals for saleability
- Conforming and Jumbo loans
- Communicated decisions to the field if suspended or declined
- Due to volume was unable to complete VA training which I hope to complete.
Sr Underwriter
Homeowners Financial Group
Phoenix, AZ
06.2015 - 01.2017
- Underwrote FHA/Maricopa and New Mexico Bond loans and was main 203K underwriter for sale to
- Freedom Mortgage
- Analyze credit, assets and appraisals for saleability
- Conforming, Jumbo and non AQM type loans
- Communicated loans decisions to the field if suspended or declined.
Loan Officer
DHI Mortgage
Phoenix, AZ
06.2012 - 05.2015
- Received loan officer license and began originating loans for DR Horton
- Originated FHA/VA/Conv/USDA type loans for the builder
- Used extensive mortgage background to package loans for approval.
Sr Underwriter
Sierra Pacific
Phoenix, AZ
11.2010 - 03.2012
- Retail/Wholesale company
- Underwrote FHA/conventional type loans
- Communicated every decision to the field
- This position also came with training of parties involved with respect to income calculations, self-employed borrowers etc.
Sr Underwriter
IMortgage
Scottsdale, AZ
09.2009 - 10.2010
- Underwrote FHA and conventional type loans
- Conforming and Jumbo
- Analyzed credit, income, assets and appraisals for saleability
- DU/LP and manual underwrites when needed
- Communicated with all parties as to decision on all loans
- Assisted support staff for learning purposes
Operations Manager
Prospect Mortgage
Phoenix, AZ
04.2009 - 08.2009
- Managed 10 support staff
- Managed 4 underwriters and 6 loan processors
- Pipeline management
- Back up underwriters given volume
- Training of support staff including loan officers
Sr Underwriter
CTX Mortgage Co
Phoenix, AZ
06.2005 - 04.2009
- Underwrote FHA and conventional loan products
- DU/LP and manual underwrites
- Analyzed loans for credit, income, assets and appraisals for saleability
- Communicated loans decisions to the field
- Responded to QC files
- Assisted support staff with conditions and training
Education
No Degree - Nursing, Business
NAU
Flagstaff, AZSkills
- Conflict Resolution Techniques
- Financial Statement Interpretation
- Ethical Decision Making
- Income Verification Proficiency
- Policy and Procedure Adherence
- Regulatory Compliance Understanding
- Secondary Market Requirements
- Adaptability and Flexibility
- Appraisal Review Competence
- Industry-Specific Knowledge
- Negotiation and Persuasion
- Multitasking Capabilities
- Professionalism and Integrity
- Customer Relations
Timeline
Sr Loan Underwriter
New American Funding
08.2019 - 09.2021
Sr Underwriter
Cherry Creek Mortgage Company
02.2017 - 11.2017
Sr Underwriter
Homeowners Financial Group
06.2015 - 01.2017
Loan Officer
DHI Mortgage
06.2012 - 05.2015
Sr Underwriter
Sierra Pacific
11.2010 - 03.2012
Sr Underwriter
IMortgage
09.2009 - 10.2010
Operations Manager
Prospect Mortgage
04.2009 - 08.2009
Sr Underwriter
CTX Mortgage Co
06.2005 - 04.2009
No Degree - Nursing, Business
NAU