JENNIFER FOREMAN
Plymouth,MI
Summary
Highly skilled Underwriter with broad experience in assessing risk, analyzing financial documents and making informed decisions within the mortgage industry for over 15 years. Demonstrate strong analytical skills, sound judgement and attention to detail. Known for high productivity and efficient task completion. Possess specialized skills in risk assessment, financial analysis and regulatory compliance. Excel at critical thinking, decision-making, and problem-solving to evaluate applications accurately and make informed decisions.
Overview
24
24
years of professional experience
Work History
Senior Non-QM Underwriter
EMPORIUM TPO
REMOTE, TX
04.2024 - Current
- Review NON-QM mortgages and conventional loan applications to optimize underwriting decisions and accuracy
- Streamline condition review, appraisal reports, determine borrower eligibility based on program eligibility
- Assess loan applications, income, asset and credit documentation for borrower creditworthiness
- Underwrite 2-3 initial loans daily
- Reviewed an average of 6-8 loans per day
- Worked hand in hand with Sales team and Mortgage Brokers/Processors
Senior Non-QM Underwriter
FLEXPOINT INC
REMOTE, CA
05.2022 - 08.2022
- Reviewed newly originated Non-QM mortgage loans from various brokers
- Loan documentation was reviewed for completeness and accuracy which included calculation and verification of income and assets, purchase contracts, appraisals, tax returns, credit reports and any other relevant documentation
- Evaluated credit risk against program guidelines, recommended alternative solutions as needed
- Underwrite 2-3 initial loans daily
- Reviewed an average of 6-8 loans per day
- Worked hand in hand with Account Executives and Mortgage Brokers/Processors
Senior Non-QM Underwriter
LOGAN FINANCE
REMOTE, NY
10.2021 - 05.2022
- Communicated with Mortgage Brokers on loan statuses and restructures
- Reviewed newly originated Non-QM mortgage loans from various brokers
- Loan documentation was reviewed for completeness and accuracy which included calculation and verification of income and assets, purchase contracts, appraisals, tax returns, credit reports and any other relevant documentation
- Evaluated credit risk against program guidelines, recommended alternative solutions as needed
- Underwrite 2-3 initial loans daily
- Reviewed an average of 6-8 loans per day
- Worked hand in hand with sales
Senior Underwriter II
RESICENTRAL/ PREVIOUSLY ONE AMERICAN BANK
Tempe, AZ
09.2020 - 04.2021
- Communicated with Mortgage Brokers on loan statuses and restructures
- Reviewed newly originated and seasoned mortgage loans from various brokers to ensure agency and lender underwriting guidelines are met
- Loan documentation was reviewed for completeness and accuracy which included calculation and verification of income and assets, purchase contracts, AUS findings, appraisals, tax returns, credit reports and any other relevant documentation
- Underwrite 3-4 initial loans daily
- Reviewed an average of 10-15 loans per day
- Communicated loan requirements with clients and sales as required
- Successfully maintained knowledge of Agency and in house underwriting guidelines
Senior Underwriter
STEARNS
Lewisville, TX
07.2020 - 09.2020
- Managed daily production and quality standards for conventional underwriter
- Assisted other underwriters with complex loans to ensure they met agency underwriting guidelines
- Credit analysis on loan documentation submitted for underwriting
- Ensured documentation was present to validate AUS findings and meet investor requirements
- Demonstrated problem solving skills working with Fannie Mae & Freddie Mac to determine if loans met underwriting requirements
- Provided exceptional customer service to brokers, Area Managers and underwriting Team
- Communicated loan requirements to accounts, answered questions regarding conditions and loan status
- Assisted Post Closing inquiries
Underwriter II
CARDINAL FINANCIAL
Charlotte, NC
07.2018 - 04.2019
- Performed detailed analysis of income, asset, credit and collateral documentation and made thorough risk assessment for loan applications and decisions
- Underwrite Fannie Mae, Freddie Mac, and Reimbursement Channel loans
- Maintained High Quality Rating while meeting daily production goals
- Consistently met SLA requirements for rush requests and all other related communication and escalation requirements
- Demonstrated flexibility underwriting loans to multiple loan programs and assisting collateral department with appraisal reviews
Senior Underwriter
MB FINANCIAL
Ann Arbor, MI
06.2013 - 07.2018
- Performed underwriting analysis on loans for Conforming programs
- Reviewed appraisals, reconciliation of credit reports, loan applications, income & asset documentation, loan amount changes, program changes and title commitments
- Researched public records via Internet to confirm borrowers’ business license(s) and validity of CPA letters
- Managed email dedicated for internal escalation requests Conventional conditions review
- Communicated with brokers and Account Executives on status of files, informed of modifications or changes made to loans per underwriting guidelines
- Issued final loan approval to Conforming loans upon satisfaction of all credit conditions
- Proficient with both LP and DU automated underwriting applications
Manager Assistant
FOREMAN BROS INC
Detroit, MI
01.2009 - 05.2013
- Assisted Human Resource Manager and Fleet Manager with tracking, logistics and billing
- Provided weekly accounting reports, manage temporary staff payrolls and concerns
- Attend and facilitate badge appointments to fulfill postal requirements
Loan Manager/Processing Team Lead
METLIFE/FIRST HORIZON HOME LOANS
Livonia, MI
02.2001 - 12.2008
- Coordinated with management for supervision and training of support staff
- Communication link to loan officers to assist in client’s mortgage needs
- Conventional decision program participant and processor supervisor of all retail loans
Education
Medical Assisting
Carnegie Medical Institution
Troy, MTSkills
- Customer Service
- FHA Delegation
- Conventional
- Non-QM / Manual Underwriting
- Quality Control (QC) / Risk
- Jumbo
- LP & DU Automated Underwriting Applications
- MS Office: Word
- MS Office: Excel
- MS Office: PowerPoint
- MS Office: Outlook
- Encompass
- Teams
Timeline
Senior Non-QM Underwriter
EMPORIUM TPO
04.2024 - Current
Senior Non-QM Underwriter
FLEXPOINT INC
05.2022 - 08.2022
Senior Non-QM Underwriter
LOGAN FINANCE
10.2021 - 05.2022
Senior Underwriter II
RESICENTRAL/ PREVIOUSLY ONE AMERICAN BANK
09.2020 - 04.2021
Senior Underwriter
STEARNS
07.2020 - 09.2020
Underwriter II
CARDINAL FINANCIAL
07.2018 - 04.2019
Senior Underwriter
MB FINANCIAL
06.2013 - 07.2018
Manager Assistant
FOREMAN BROS INC
01.2009 - 05.2013
Loan Manager/Processing Team Lead
METLIFE/FIRST HORIZON HOME LOANS
02.2001 - 12.2008
Medical Assisting
Carnegie Medical Institution
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