Work Preference
Summary
Overview
Work History
Education
Skills
Certification
RELEVANT HIGHLIGHTS
Work Availability
Timeline

JENNIFER DECKER

Senior Mortgage Underwriter
West Des Moines,IA

Work Preference

Work Type

Full Time

Location Preference

Remote

Important To Me

Work-life balanceCompany Culture401k matchWork from home option

Summary

Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.


Astute and methodical Senior Mortgage Underwriter with significant background working with customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.

Overview

22
22
years of professional experience
2
2
Certification

Work History

Senior Mortgage Loan Underwriter

Prime Lending
03.2020 - 09.2025


  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Verified integrity of applicants' information to minimize fraud.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Approved or denied loans based on established criteria and underwriting guidelines.

FHA DE Underwriter

First Continental Mortgage
03.2015 - 03.2020


  • Determined and documented loan conditions and communicated requirements and decisions.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Collaborated with other professionals to develop innovative underwriting solutions.

Senior Mortgage Processor

First Continental Mortgage, LTD
02.2010 - 03.2015


  • Followed up with clients to verify optimal customer satisfaction following support engagement and problem resolution.
  • Managed customers' expectations of support and technology functionality in order to provide positive user experience.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Set up and completed loan submission packages.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Communicated with originator and applicant concerning progress of loan file.
  • Prepared file for final clear-to-close by branch management.
  • Handled any conditions sent from underwriting departments.

Loan Processor

Willow Bend Mortgage
03.2004 - 05.2010


  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Processed mortgage loan applications accurately and successfully for over 10 years.
  • Analyzed borrower credit reports and income statements to verify accuracy.

Education

Bachelor’s Degree -

Graceland University, Lamoni, LA

Skills

  • Financial statement analysis
  • Income verification
  • Appraisal review
  • Quality control procedures
  • Debt-to-income ratios
  • Employment verification
  • Credit risk analysis
  • FNMA guidelines
  • Underwriting guidelines
  • Residual incomes
  • Credit analysis
  • Asset statements
  • Property inspection

Certification

  • Essentials of Residential Underwriting - Mortgage Bankers Association web course
  • Tax Return Basics: “Show Me the Money”, Bankers Association web course
  • Basic Appraisal Underwriting, Mortgage Bankers Association web course
  • 20 Hour SAFE Comprehensive Mortgage Loan Originator Fundamentals- Champions School of Real Estate

RELEVANT HIGHLIGHTS

  • Responsible for approval/decline decisions on loan applications consistent with internal, client and investor policies for Conventional, FHA, VA, USDA, and Bond (TX,OK,UT,CA,OR,AK,WA) loans.
  • Correspond with processors to attain appropriate documentation needed to meet Conventional, FHA, and VA guidelines.
  • Verify accuracy of supporting employment, assets, and appraisal.
  • Underwrite conventional, FHA, VA, and refinances as warranted.
  • Review and clear conditions on VA, FHA, and Conventional loans
  • Stay abreast of industry developments in FHA, VA, and Conventional programs
  • Maintain Quality control standards while maintaining production standards by company definition.
  • Strong knowledge of Collateral Analysis and understanding of appraisals.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Senior Mortgage Loan Underwriter - Prime Lending
03.2020 - 09.2025
FHA DE Underwriter - First Continental Mortgage
03.2015 - 03.2020
Senior Mortgage Processor - First Continental Mortgage, LTD
02.2010 - 03.2015
Loan Processor - Willow Bend Mortgage
03.2004 - 05.2010
Graceland University - Bachelor’s Degree,

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