HYACINTH TERRELL
Salt Lake City,UT
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
13
13
years of professional experience
Work History
Senior Mortgage Underwriter
Academy Mortgage Corporation
04.2016 - 12.2022
- Prioritized approximately an average 6-8 new files at start of day
- 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.
- Met company goal of 2 files per day. My 30-day average underwrite was 5 per day.
Senior Loan Processor
Academy Mortgage Corporation
12.2009 - 12.2012
- Established strong relationships with loan officers, title companies, and borrowers for smooth loan process.
- Handled files from opening to "ready to close" status.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed an average of 45-50 loans in a high-volume pipeline of loans, consistently meeting deadlines and maintained accuracy in documentation.
Education
Associate of Arts - Accounting
Citrus College
Glendora, CA05.2005
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
Associate of Arts - Accounting
Citrus College