Summary
Overview
Work History
Education
Certification
Hobbies
Timeline
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Hyacinth (Hya) Terrell

Arvada,CO

Summary

Highly Experienced Senior Mortgage Underwriter with extensive experience of comprehensive expertise in underwriting FANNIE, FREDDIE, FHA, VA, delegated JUMBO loans, USDA, DPA BOND LOANS, DSCR and Bank Statement Loans. Adept at evaluation complex income scenarios, analyzing credit and collateral risk while ensuring full compliance with federal and state lending regulations. Recognized for consistent accuracy, sound judgment, focused (underwriting "outside the box") on achieving successful outcomes. Strong collaborator with business partners such as teach basic mortgage 101 classes, basic income calculation and non complex self-employed tax analysis for junior underwriters and loan processors.

Overview

34
34
years of professional experience
1
1
Certification

Work History

Senior Mortgage Underwriter

Academy Mortgage Corporation
04.2016 - 12.2022
  • Prioritized files received at start of day. Average new files are ~
  • Determined credit risks by reviewing files in advance and comparing and against internal checklists and guidelines.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FANNIE, FREDDIE, and GUS

Senior Mortgage Underwriter

M And T Bank Wholesale Lending Division
04.2012 - 04.2016
  • Performed the same responsibilities as at Academy Mortgage however with Mortgage Brokers and Correspondent lenders as clientele.
  • Assisted in the implementation of new underwriting tools and technologies, optimizing workflow within the department.
  • Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
  • Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.

Senior Loan Processor

Academy Mortgage Corporation
12.2009 - 12.2012
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.


Assistant Branch Manager Loan Officer

Utah First Credit Union
12.2006 - 01.2009
  • Supported the Branch Manager with daily tasks.
  • Trained and developed new team members in alignment with branch service standards and objectives.
  • Monitored daily branch activities, quickly identifying areas that required improvements.
  • Oversaw successful completion of internal audits with minimal findings, demonstrating strong adherence to bank policies and regulations.

Loan Office With Consumer Lending Authority

Bank of America
08.1988 - 02.2006
  • Handled customer complaints quickly and professionally to restore customer confidence and prevent loss of business.
  • Self-motivated, with a strong sense of personal responsibility.
  • Worked effectively in fast-paced environments.
  • Skilled at working independently and collaboratively in a team environment.
  • Proven ability to learn quickly and adapt to new situations.
  • Excellent communication skills, both verbal and written.

Education

Associate of Arts - Accounting

Citrus College
Glendora, CA
05-2005

Certification

FHA DE Delegation

VA SAR LAPP Delegation

Utah Housing Bond Delegation

DAP Loan Delegation

GUS Delegation

Enrolled to obtain AI Underwriter Certification

Hobbies

Hobbies and Interest:

* Caring for two Olde English Bulldoggees. Mateo and Matilda.

* Cooking, specifically Filipino Food. Lumpia, Pancit, Turon, Empanadas, Lechon Belly

* Enjoys Budget Friendly travel; next stop- Asia: China, Japan, South Korea, Thailand, and India.

* Enrolling at local college to learn how to draw, paint and water color

Timeline

Senior Mortgage Underwriter

Academy Mortgage Corporation
04.2016 - 12.2022

Senior Mortgage Underwriter

M And T Bank Wholesale Lending Division
04.2012 - 04.2016

Senior Loan Processor

Academy Mortgage Corporation
12.2009 - 12.2012

Assistant Branch Manager Loan Officer

Utah First Credit Union
12.2006 - 01.2009

Loan Office With Consumer Lending Authority

Bank of America
08.1988 - 02.2006

Associate of Arts - Accounting

Citrus College

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Hyacinth (Hya) Terrell