Jacqueline Sharkey
Summary
Mortgage Loan Underwriter with background in assessing credit history data and finding appropriate solutions perfect for customer needs. Highly organized, proactive and punctual with team-oriented mentality. Offers excellent ability to handle challenging work, and excellent time management skills. Adds value to any organization in need of great collaboration, interpersonal and multitasking abilities. Meets tight deadlines.
Overview
38
38
years of professional experience
Work History
Mortgage Underwriter
Winnpointe Financial
03.2020 - 02.2022
- Review AUS findings on all files and confirm documentation provided meets FNMA/FHLMC documentation guidelines
- Communicate decisions with processors and address questions regarding conditions and how to obtain them
- Review FraudGuard to ensure no additional loans in process, additional properties owned,previous foreclosures or
- Notice of Defaultfiled
- Review appraisals and creditto confirm all meets guidelines
- Determine income for W-2/self-employed borrowers based on documentation provided by applicants.
Remote, Underwriter
07.2019 - 12.2019
- Review appraisal,preliminary title,creditreport and bank statements to asses borrower's ability to repay, financial situation and value of property
- Underwrite file to confirm itmeets all loan guidelines,per FNMA/FHLMC/Secondary Market
- Contact brokers, account executives and processors to communicate loan decision and request any additional documentation thatmay be required
- Follow up on documentation requested to get the loan to an approval status.
Mortgage Underwriter III
US Bank
Los Alamitos, CA
03.2012 - 03.2019
- Underwrite based on FNMA/FHLMC/USDA/JUMBO and within investor guidelines;ran AUS appropriate for loan
- Reviewed and evaluated transactions to certain accuracy, fraud detection, renegotiation of loans, compliance review
- Assessed capacity and willingness to pay of borrowers as a componentof the due diligenceprocess associated with the potential purchase of a pool of mortgage loans
- J
- Sharkey – Resume
- Pg
- 2
- Fully documented manual underwrites according to US Bank's internal guidelines
- Achieved $1,000,000 signing authority.
Mortgage Underwriter
Fannie Mae
Pasadena, CA
08.2010 - 01.2011
- Review transaction documents to Automated Underwriting System (AUS) ensuring each loan meets the purchase requirements
- Underwrite transaction to guidelines & variances allowed for year delivered
- Review all mortgage applications and documentation for accuracy and completeness
- Prepare letters for repurchase with supporting documents
- Refer transactions to multiple departments depending on outcome of review.
Regional Underwriting/Processing Mngr/VP
Wells Fargo/World Savings
08.1984 - 10.2008
- Lead Underwriting and Processing teams throughoutSouthern California,Arizona and Nevada
- Opened company's first Centralized Underwriting Department in Southern California, which became highest producing,mostsuccessful and mostefficientin the region
- Underwrote and processed conventional loans via DU AUS program
- Fully documented manual underwrites according to Wells Fargo internal guidelines
- Implemented fraud detection system to ensure and maintain high quality loans - once preliminary investigated and confirmed turned over to fraud legal department
- Developed bonus system for supportstaff creating additional incentive to succeed,while notcompromising our high quality standards
- Supported a team of underwriters that underwrote a high volume of retail and wholesale loans while also personally contributing to the efforts to meet turnaround time goals
- Provided in depth training to departmentunderwriters:income analysis,appraisal review,fraud awareness
- Recruited and hired new employees
- Disciplined employees up to and including termination,completed employee evaluations
- Achieved signing authority of $1,500,00 - $3,000,000 with a second signature.
Skills
- Lending and Underwriting Guidelines
- Credit & Income Analysis
- Risk Assessment
- Loan Closing, Funding and Documentation
- DU/LP/GUS
- MS Word, Excel, PowerPoint, Outlook
- Encompass
- Customer Service
- Time Management
- Teamwork
- Team Building
- Dependability
- Multitasking
- Debt and Credit Management
- Notary
References
References available upon request
Timeline
Mortgage Underwriter
Winnpointe Financial
03.2020 - 02.2022
Remote, Underwriter
07.2019 - 12.2019
Mortgage Underwriter III
US Bank
03.2012 - 03.2019
Mortgage Underwriter
Fannie Mae
08.2010 - 01.2011
Regional Underwriting/Processing Mngr/VP
Wells Fargo/World Savings
08.1984 - 10.2008
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