Heather Harms
Waterstone Mortgage Corporation
Palmyra,WI
10
years of professional experience
Detail-oriented Underwriter III with extensive experience in evaluating mortgage applications and ensuring adherence to underwriting guidelines. Proven track record in risk assessment and documentation review, driving compliance and quality assurance.
Work History
Underwriter III
9 Years 3 Months- Evaluate mortgage applications for risk assessment and compliance with underwriting guidelines.
- Analyze financial documents to determine borrower eligibility and creditworthiness.
- Review appraisals and title reports to ensure accuracy and alignment with lending policies.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provide excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
Conventional Mortgage Underwriter
1 Year- Evaluated loan applications, ensuring compliance with underwriting guidelines and risk assessment standards.
- Analyzed credit reports and financial documents to determine borrower eligibility for conventional mortgage products.
- Collaborated with loan officers to resolve issues and facilitate timely loan closings.
- Reviewed appraisals for accuracy, confirming property values aligned with lending policies.
Education
Associate of Science - Mortgage Lending
Skills
Risk assessment
Analyzing data
Credit analysis
Data collection
Application review
Documentation review
Quality assurance
Accomplishments
Received Mortgage Lending Associates Program Award in 2001.
Received Certificate of National Vocational - Technical Honor Society in 2001.
Timeline
Underwriter III
Waterstone Mortgage Corporation
07.2017 - CurrentRead More
Conventional Mortgage Underwriter
Inlanta Mortgage
07.2016 - 07.2017Read More
Waukesha County Technical College
Associate of Science from Mortgage Lending
Read More