JAN CONTE
Johnston,RI
Summary
Dedicated Mortgage Underwriter with a proven track record of accurately assessing and analyzing mortgage applications to determine credit worthiness and adherence to lending guidelines. Proficient in evaluating borrower income documentation, financial statements, credit and property appraisals to make informed decisions. Possess a strong attention to detail and a deep understanding of risk assessment, loan regulations and industry standards. Effective communicator and collaborator, adept at working with loan officers, processors and other stakeholders to ensure seamless loan processing.
Overview
21
21
years of professional experience
Work History
MORTGAGE UNDERWRITER
Guild Mortgage Company
04.2012 - 06.2023
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and cleared underwriting conditions based on underwriting guidelines.
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as FNMA, FHLMC, FHA, VA, USDA
MORTGAGE UNDERWRITER
First Horizon Home Loans/MetLife
11.2002 - 02.2012
Education
Associate of Science - General Business
Community College of RI
Warwick, RISkills
- Risk Assessment
- Credit Analysis
- Financial Statement Analysis
- In depth Income Analysis
- Conventional AUS DU/CU - LP/LCA
- Jumbo Loans
- FHA DE
- State Housing Agencies
- VA SAR
- USDA
- Encompass and Citrix Platforms
Timeline
MORTGAGE UNDERWRITER
Guild Mortgage Company
04.2012 - 06.2023
MORTGAGE UNDERWRITER
First Horizon Home Loans/MetLife
11.2002 - 02.2012
Associate of Science - General Business
Community College of RI