Jackie Mugadza, PMP, AMP
Bethesda,MD
Summary
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Credit Risk Policy Senior
Freddie Mac
01.2024 - 07.2025
- Facilitated policy development by guiding cases through the company’s internal governance process, ensuring alignment with corporate procedure standards and regulatory expectations prior to publication
- Collaborated across policy and credit analytics teams to monitor and evaluate assigned policies and Terms of Business
- Conducted stakeholder working groups to gather feedback and foster cross-functional collaboration during policy formulation
- Partnered with the Analytics team to assess monitoring frameworks and strengthen reporting mechanisms related to Single family Affordable Housing policy performance
- Identified, assessed, and maintained effective risk controls and reporting mechanisms to mitigate risk exposure and enhance oversight
- Served as a subject matter expert, delivering policy guidance and strategic insight to internal and external stakeholders
- Entrusted by senior leadership to perform high-level policy research, conducting in-depth comparative analysis of term sheets across GSEs (Fannie Mae and Freddie Mac) to inform new policy development and drive alignment with industry standards
- Conducted research and outreach on Affordable Housing goals to support the FHFA Quarterly Scorecard
- Used critical thinking to break down problems, evaluate solutions, and make decisions.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
Senior Underwriter (Customer Support)
Freddie Mac
04.2021 - 01.2024
- Providing comprehensive Customer support as the initial point of contact for our Single-family Seller/Servicer Guide, products and inquiries.
- Delivered expert frontline support for Freddie Mac’s Single-Family Seller/Servicer Guide, maintaining over 97% quality service and ranking as the top-performing agent
- Served as a subject matter expert on origination, underwriting, servicing, and investor reporting policies, resolving complex Seller inquiries with accuracy and efficiency
- Responded to high-priority escalations with prompt, policy-driven resolutions, strengthening Seller trust and reinforcing compliance with Freddie Mac guidelines
- Designed and facilitated new hire onboarding and training sessions, accelerating agent readiness and improving team performance
- Conducted quality call reviews on sampled agent interactions that scored below matrix
- Delivered individual one-on-one coaching and performance feedback to agents as defined by leadership.
- Developed and implemented underwriting team training requirements aligned with corporate learning objectives, fostering continuous skill development
- Advised Sellers through intricate loan scenarios, including appraisal, property eligibility, and complex loan eligibility inquiries to ensure accurate interpretation and application of the Selling Guide policies
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
Senior Quality Control Underwriter
Freddie Mac
10.2017 - 04.2021
- Evaluated full credit packages, ensuring strict compliance with investor guidelines and federal regulations while identifying red flags, fraud indicators, and layered risk
- Validated data used by the Automated Underwriting System (AUS) to support accurate credit decisions, including analysis of derogatory credit
- Assessed full credit packages and collateral to confirm alignment with credit philosophy and deliver investment-quality loan products
- Investigated red flags, loan misrepresentation, and potential fraud to assess compliance with investor guidelines and alignment with credit philosophy, with a focus on identifying layered risk
- Validated data used by the Automated Underwriting System (AUS) to support accurate credit decisions.
- Managed Loan pipeline and documentation in SharePoint
- Relied heavily on SharePoint for communication, including managing scopes, documents, and various other resources that needed to be accessed in quality Control reviews.
Senior Frontline Underwriter
Wipro Ltd
11.2016 - 05.2017
- Reviewed submitted loan file data and documents for adherence to investor and lender guidelines to render approval decision.
- Worked closely with Underwriter Managers and Loan Officers to identify potential solutions/alternatives for all types of loans
- Analyzed tax returns and financial statements for Self-Employed Borrowers, Partnerships, S Corporations and/or C Corporations
- Underwrote a minimum of 5 loans a day and cleared all conditions.
- Enhanced productivity levels by anticipating needs and delivering outstanding support.
- Reduced process inconsistencies and effectively trained team members on best practices and protocols.
Senior Mortgage Underwriter
The CRI Compliance
02.2014 - 11.2015
- Determined applicant creditworthiness by assessing credit profile & possible risk of default by performing analysis of credit, income, assets, and collateral.
- Identified misrepresentations, inconsistencies, and fraudulent activity by analyzing the loan documentation and transaction.
- Conducting Rebuttal reviews on repurchase demands
- Reviewed and identified red flags for potential fraud and misrepresentation.
Mortgage Underwriter/Credit Analyst
E*TRADE Financial Corp
02.2012 - 02.2014
- Performed compliance and manual underwrite to ensure complies with guidelines for a variety of loan product types, including HELOC's, and 2nd mortgages
- Reviewed and verified credit report (FICO, pay history, debt validation), other real estate owned (i.e., disposition of property, rental income), and appraisals to support value.
- Performed Underwriting in adherence to Lenders Guidelines
Senior Underwriter/QC Level 4
Suntrust Mortgage Bank
12.2010 - 01.2011
- Performed quality control and audit on various loans closed at the branch before funding.
- Supported the team manager in making complex loan decisions, reviewing, and communicating with processors.
- Monitored loan pipelines to achieve appropriate performance levels.
- Performed anti-money laundering reviews, evaluated suspicious account activity, and made recommendations.
- Ensured compliance with regulations governing money laundering activities.
- Communicated with other branches if I needed additional customer information or missing documents on streamlined loan files.
- Supported management teams, ensuring daily, weekly, and monthly reports were completed on time.
- Filed suspicious activity reports (SARS) and suspicious transaction reports (STRS) for review.
Frontline Underwriter
JP Morgan Chase Home Bank
06.2005 - 08.2008
- Underwrote and performed quality control management on all files, reviewing, and analyzing financial documentation and credit status to render an approval or denial decision.
- Ensured all loans were in compliance and met the underwriting guidelines.
- Performed frontline underwriting for various loan types.
- Calculated income on every level from paystubs, tax returns, profit & loss statements, award letters, and unemployment benefits.
Education
Marketing
Kennesaw State University
Skills
- In-depth understanding of Fannie Mae and Freddie Mac guidelines
- Analytical problem solver
- Proficient in prioritization and time management
- Mentorship development
- Quality assurance expertise
- Risk evaluation
- Guideline interpretation
- Effective written and verbal communication
- Data research proficiency
- Skilled in data management applications including Encompass and Calyx Point
Certification
- PMI: Project Management Professional (PMP)
- AIGPE: Lean Six Sigma - Yellow Belt
- MBA: Accredited Mortgage Professional (AMP), 2019
Timeline
Credit Risk Policy Senior
Freddie Mac
01.2024 - 07.2025
Senior Underwriter (Customer Support)
Freddie Mac
04.2021 - 01.2024
Senior Quality Control Underwriter
Freddie Mac
10.2017 - 04.2021
Senior Frontline Underwriter
Wipro Ltd
11.2016 - 05.2017
Senior Mortgage Underwriter
The CRI Compliance
02.2014 - 11.2015
Mortgage Underwriter/Credit Analyst
E*TRADE Financial Corp
02.2012 - 02.2014
Senior Underwriter/QC Level 4
Suntrust Mortgage Bank
12.2010 - 01.2011
Frontline Underwriter
JP Morgan Chase Home Bank
06.2005 - 08.2008
Marketing
Kennesaw State University
Freddie Mac Toastmasters
Public Speaking