JENNIFER P SMITH
Ponder,TX
Summary
Mortgage Underwriter dedicated and focused who excels at prioritizing, completing multiple tasks and following through to achieve goals. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
12
12
years of professional experience
Work History
Sr Mortgage Underwriter
Right Start Mortgage DBA Gold Financial
11.2024 - Current
- Knowledge of Lending & Underwriting Guidelines
- Full understanding of credit, income and Cash Flow Analysis
- Managed assigned pipeline, and disposition loans within 24-48
- Ensure loan submittals meet internal and agency guidelines
- Evaluate the financial strength of borrowers to determine risk and capacity to repay along with evaluation of collateral
- Maintained compliance with lending, underwriting, and government requirements.
- Conventional/USDA/FHA
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Sr. Mortgage Underwriter
Mortgage Financial Services
06.2020 - 11.2024
- Knowledge of Lending & Underwriting Guidelines
- Full understanding of credit, income and Cash Flow Analysis
- Managed assigned pipeline, and disposition loans within 24-48
- Ensure loan submittals meet internal and agency guidelines
- Evaluate the financial strength of borrowers to determine risk and capacity to repay along with evaluation of collateral
- Maintained compliance with lending, underwriting, and government requirements.
- Conventional/USDA/FHA/ Bond Programs
Sr. Mortgage Underwriter
Premier Nationwide Lending
07.2015 - 06.2020
- Knowledge of Lending & Underwriting Guidelines
- Full understanding of credit, income and Cash Flow Analysis
- Managed assigned pipeline, and disposition loans within 24-48
- Ensure loan submittals meet internal and agency guidelines
- Evaluate the financial strength of borrowers to determine risk and capacity to repay along with evaluation of collateral
- Maintained compliance with lending, underwriting, and government requirements.
- Conventional/USDA/FHA/ TDHCA, TSAHC, MCC, SETH Bond Programs
Sr, Loan Processor
Premier Nationwide Lending
03.2014 - 07.2015
- Maintained large pipeline of 40+ loans per month
- Ensure compliance with company policies, underwriting guidelines and lending programs
- Worked closely with loan officers, closers, funders and title agencies to ensure closings
- Prepared documents for underwriting by verifying client income, credit reports and other information
- Process Conventional/USDA/FHA/TDHCA, TSAHC, MCC, SETH Bond Programs
Education
North Central Texas College
Gainesville, TXHigh School Diploma -
Liberty Christian School
Argyle, Tx04.1991
Skills
- Full understanding of Conventional/USDA/ FHA, with heavy emphasis on USDA loans
- Working knowledge of financial statements, credit reports, tax returns, and appraisals
- Knowledge of lending programs, policies and procedures
- Ability to communicate clearly and effectively, both verbally and in writing
- Attention to detail and solid time management skills to meet deadlines
- Training Junior Team Members
Timeline
Sr Mortgage Underwriter
Right Start Mortgage DBA Gold Financial
11.2024 - Current
Sr. Mortgage Underwriter
Mortgage Financial Services
06.2020 - 11.2024
Sr. Mortgage Underwriter
Premier Nationwide Lending
07.2015 - 06.2020
Sr, Loan Processor
Premier Nationwide Lending
03.2014 - 07.2015
North Central Texas College
High School Diploma -
Liberty Christian School
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