Summary
Overview
Work History
Skills
Timeline
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Heather Parsons

Uniontown,OH

Summary

Mortgage underwriting professional with over 25 years of experience throughout the banking industry. Expertise in risk assessment, compliance procedures, and customer/client satisfaction.

Overview

10
10
years of professional experience

Work History

FHA DE CHUMS

  • Responsible for analyzing credit risk, income, property, asset, and overall quality of loan files and making credit decisions that are in line with industry standards
  • Reviewed adequacy of documents and took necessary steps to cure deficiencies - Developed meaningful relationships with sales partners and brokers - Effectively communicated credit decision and thoroughly explained requirements to sales/loan officers - Underwrote minimum or 2 new files on daily basis - Managed pipeline of approximately 50 loans per month

Mortgage Loan Underwriter

Paramount Residential Mortgage Group - PRMG
05.2023 - Current
  • Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
  • Enhanced underwriting efficiency with thorough risk assessments and timely decisionmaking.
  • Reduced processing times for mortgage applications, ensuring prompt customer service and satisfaction.
  • Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.

SENIOR MORTGAGE UNDERWRITER

Homepoint Financial
10.2020 - 05.2023
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.

MORTGAGE LOAN UNDERWRITER

STEARNS LENDING LLC
09.2014 - 10.2020
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Proactively identified solutions for customers experiencing credit issues.

Skills

  • Lender Relationships
  • Underwriting Guidelines
  • Government Standards
  • Strategic Decision-Making
  • Analytical and Critical Thinking
  • Loan Restructuring
  • Loan Product Knowledge

Timeline

Mortgage Loan Underwriter

Paramount Residential Mortgage Group - PRMG
05.2023 - Current

SENIOR MORTGAGE UNDERWRITER

Homepoint Financial
10.2020 - 05.2023

MORTGAGE LOAN UNDERWRITER

STEARNS LENDING LLC
09.2014 - 10.2020

FHA DE CHUMS

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