JANIS WRIGHT
Cypress
Summary
Accomplished mortgage professional with strong background and proven ability to deliver results. Adept at navigating complex financial documents and ensuring compliance with regulatory requirements. Known for fostering team collaboration and adapting to changing needs. Possesses key skills including loan documentation, risk assessment, and customer service, with focus on efficiency and accuracy.
Overview
1
1
Certification
10
10
years of professional experience
Work History
Sr. Loan Processor
FocusOne Mortgage
Houston, TX
05.2024 - 07.2026
- Analyzed borrower financial data to determine eligibility, maintaining high standards of accuracy and detail.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Monitored pipelines to track and log status of loans.
Bond Loan Underwriter
NTFN Inc. dba Premier Nationwide Lending
04.2021 - 01.2024
- Conducted rigorous quality control reviews, complying with multiple states' mortgage revenue bond (MRB), down payment assistance (DPA), Mortgage Credit Certificate (MCC) programs, and investor guidelines.
- Analyzed credit, asset, income documentation, collateral and tax returns, in calculating borrower's household income for precise program qualification.
- Managed the reservation and locking of loans, consistently achieving timely re-disclosures. Ensured accurate updates in the Encompass system to streamline the loan process.
- Orchestrated drawing and completion of second lien notes, deeds, tax-exempt riders, and final closing disclosures. Resolved a significant percentage of final changes pre-closing, for smoother and more efficient closings.
- Aided branches and updated/trained teams on program changes and new programs, generating accurate closing/funding conditions for each bond/DPA program.
Jr. Underwriter
Network Funding LP
Houston, TX
10.2019 - 07.2020
- Analyzed conventional conforming purchase and refinance applications, meeting FNMA/FHLMC regulations, investor guidelines, and overlays.
- Executed timely loan decisions, enhancing the process efficiency. Collaborated with loan officers and processors, slashing issue resolution time.
- Assisted senior underwriting staff, improving clearing approval conditions for both conventional and FHA loans. Played a key role in ordering mortgage insurance and achieving a consistently high on-time closing rate.
Sr. Loan Processor
Cornerstone Home Lending Inc
Houston, TX
02.2019 - 10.2019
- Guided loan officer/loan officer assistant teams in the builder division, ensuring efficient processing and documentation.
- Ensured accurate Conventional, FHA, VA loan program approvals with a high success rate. Ran AUS findings and meticulously managed files.
- Communicated application status to clients, title companies, loan officers, loan officer assistants, and builder representatives. Reduced post-closing deficiencies – resolved compliance issues in collaboration with relevant departments.
Jr. Underwriter
Network Funding LP
Houston, TX
06.2016 - 08.2018
- Conducted comprehensive analysis of conventional conforming purchase and refinance applications, ensuring compliance with FNMA/FHLMC regulations, investor guidelines, and overlays.
- Issued loan approvals, denials, or suspensions based on rigorous evaluations, fostering effective communication with loan officers and processors to address queries and streamline processes.
- Assisted senior underwriting staff in clearing approval conditions for conventional and FHA loans, optimizing processes for a seamless workflow, and contributing to successful loan closings.
Education
University of Detroit Mercy
Detroit, MISkills
- Conventional, FHA,,VA, Bond Mortgage Loans
- Financial data analysis
- Credit analysis
- Title review
- Information verification
- Appraisals
- Proficient in Encompass, AUS systems DU & LP, Microsoft Office
- Regulatory Compliance (TILA, RESPA, Predatory Lending Regulations)
- Strong attention to detail
- Clear communication
Accomplishments
- Analytical Excellence: Maintained a high level of accuracy in file analysis across diverse loan applications, minimizing rework and ensuring smooth file progression.
- Operational Efficiency: Leveraged Automated Underwriting System (AUS) findings to enhance productivity and workflow that streamlined file analysis, contributing to notable improvements in turnaround time.
- Regulatory Adherence: Demonstrated stringent attention to detail analyzing conventional conforming applications, ensuring consistent loan eligibility with FNMA/FHLMC regulations.
- Team Leadership: Supported teams of 4 or more loan officers. Facilitated a substantial increase in processed loans as a Sr. Loan Processor leading to a notable increase in successful closing rates.
- Client Satisfaction Improvement: Championed clear and timely communication with co-workers and clients, addressing concerns early and minimizing escalations, contributing to increased borrower and loan officer satisfaction.
Certification
Direct Endorsement CHUMS certification
Timeline
Sr. Loan Processor
FocusOne Mortgage
05.2024 - 07.2026
Bond Loan Underwriter
NTFN Inc. dba Premier Nationwide Lending
04.2021 - 01.2024
Jr. Underwriter
Network Funding LP
10.2019 - 07.2020
Sr. Loan Processor
Cornerstone Home Lending Inc
02.2019 - 10.2019
Jr. Underwriter
Network Funding LP
06.2016 - 08.2018
University of Detroit Mercy