Jennifer Carper
White Oak,PA
Summary
Qualified underwriter/manager looking to obtain a position where I can use my knowledge of thirty-three (33) years in the mortgage business and can continue to grow and take on new challenges in this field
Overview
35
35
years of professional experience
Work History
Regional Underwriting Manager
Guaranteed Rate
Chicago, IL
09.2021 - Current
- Underwrite loan files to determine compliance with FHA, VA, USDA, FNMA, Freddie Mac
- Analyze application data including financial statements, bank statements, credit reports and appraisals to determine borrower qualification
- Set and clear loan conditions on files
- Aid in resolution of pre-purchase loan deficiencies
- Review scenarios with underwriters, processors and sales staff
- Train Underwriters on different products
- Assign loan files to Underwriters
- Lead weekly and monthly meetings with Underwriters, QC, Sales
- Conduct Interviews
- Achieve production goals by developing strong Underwriting Teams
- Review and approve time cards
- Review escalations
Mortgage Underwriter/Jumbo Team Lead
Fairway Independent Mortgage Corp.
White Oak, PA
06.2010 - 08.2021
- Underwrite loan files to determine compliance with FHA, VA, FNMA, FREDDIE MAC, USDA, jumbo loans, investors and QC
- Analyze application data including financial statements, bank statements, credit reports and appraisals to determine borrower qualification
- Set and clears loan conditions on files according to guidelines
- Rework loans to new terms and identify additional conditions
- Aid in resolution of pre-purchase loan deficiencies by assisting post-closing and suspense departments in making corrections
- Maintain quality control standards while maintaining production
- Provide support to internal staff, sales associates and brokers
- Review scenarios with underwriters, brokers, account executives
- Trained underwriters on different products
- Jumbo team lead managing the jumbo underwriters and performing all second reviews
Underwriting Manager
Washington Mutual
Bethel Park, PA
07.2005 - 09.2009
- Performed secondary review of jumbo loans
- Administered policy and procedures to underwriting department
- Provided support to interntal staff, sales associates, brokers
- Interacted with quality control
- Led weekly and monthly meetings with underwriters, QC and upper management
- Underwrote loan files to determine compliance with FHA, FNMA, FREDDIE MAC, USDA, jumbo loans, investors and QC
- Assigned loan files
- Hired and trained underwriters/validators
- Conducted Interviews
- Overseen team of underwriters and validators
- Achieved production goals by develpment strong underwriting teams
Mortgage Underwriter
Countrywide Home Loans
Monroeville, PA
03.2000 - 07.2005
- Underwrote loan files to determine compliance with FHA, VA, FNMA, FREDDIE MAC, USDA, investors and QC
- Analyzed application data including financial statements, bank statements, credit reports and appraisals to determine borrower qualification
- Set and cleared loan conditions on files according to guidelines
- Reworked loans to new terms and identified additional conditions
- Aided in resolution of pre-purchase loan deficiencies by assisting post closing and suspense departments in making corrections
- Maintained quality control standards while maintaining production
- Provided Support to internal staff, sales associates, brokers
- Trained new hires
Mortgage Underwriter
Allegheny Mortgage Corp.
White Oak, PA
05.1989 - 03.2000
- Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
- Processed loans
- Underwrote loans
- Prepared closing documents and closed loans
- Provided support to internal employees, real estate agents, sales force
- Aided and trained new hires
Skills
- Tenacious work ethic
- Analyzing data
- Time management
- Quality assurance
- Staff supervision
- Customer service
Timeline
Regional Underwriting Manager
Guaranteed Rate
09.2021 - Current
Mortgage Underwriter/Jumbo Team Lead
Fairway Independent Mortgage Corp.
06.2010 - 08.2021
Underwriting Manager
Washington Mutual
07.2005 - 09.2009
Mortgage Underwriter
Countrywide Home Loans
03.2000 - 07.2005
Mortgage Underwriter
Allegheny Mortgage Corp.
05.1989 - 03.2000
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