Summary
Overview
Work History
Skills
References
Certification
Timeline
Generic

JESSICA HINNANT

West Valley City,UT

Summary

Analytical Senior Underwriter with 18+ years of experience in various types of mortgage lending. Skilled at reviewing documents and making accurate decisions. Bringing firm grasp of risk assessments, hazard recognition and acceptance criteria

Overview

18
18
years of professional experience
1
1
Certification

Work History

SR. UNDERWRITER

AMERICAN HERITAGE LENDING
01.2022 - Current
  • Underwrite commercial debt financing transactions backed by single & multi-family rentals
  • Analyze rent rolls, operating history, valuations and cash flows on portfolios of rental properties
  • Work closely with Loan Officer / Processor to review and discuss needed conditions for approval
  • Review and verify documents in loan files, such as credit reports, loan applications, title policies, appraisals, and financial statements are current and accurate
  • Review collateral for asset quality and market conditions
  • Prioritize, track, and manage the loan underwriting process in order to meet deadlines and ensure timely submission to the underwriting team
  • Assist with training and implementation of new policies and procedures
  • Structure loan scenarios based on internal guidelines to meet client needs and expectations

UNDERWRITING

WESTERN EXPRESS LENDING
01.2021 - 12.2021
  • Ensured timely review and disposition of mortgage loan applications
  • Worked within company guidelines to make calculations for qualifying and administered decisions using various loan origination systems
  • Completed Conventional, FHA/VA/Bond Credit Underwriting
  • Analyzed appraisals to ensure file accuracy and verify property details
  • Effectively managed pipeline of over 35 to meet strict deadlines
  • Processed Agency/Investor exception requests as needed to ensure a salable loan package
  • Provided customer service to internal staff and brokers by explaining credit decisions and offering alternative options when needed to complete approvals.
  • Built trust and promoted customer loyalty throughout underwriting process

SR UNDERWRITER

MOUNTAIN WEST FINANCIAL
09.2019 - 12.2020

REGIONAL UNDERWRITING MANAGER/SR UNDERWRITER

M&T BANK
02.2012 - 09.2019

SENIOR PROCESSOR

M&T BANK
02.2006 - 02.2012

Skills

  • Lending & Underwriting Guidelines
  • Credit & Income Analysis
  • Cash-Flow Analysis
  • Risk Assessment
  • DSCR & Rehab Loans
  • Conventional Credit Underwriting & FHA/VA Credit Underwriting
  • Conforming & Nonconforming Loans
  • Loan Closing, Funding & Shipping
  • Customer focused mindset with excellent interpersonal, written and verbal communication skills
  • Strong attention to detail and organizational skills

References

Karen Lewis, 949-533-6962

Certification

FHA Direct Endorsement designation - FHA - 2012

VA Approved Credit Underwriter & SAR designation - VA - 2016

USDA Authority - USDA - 2012

Timeline

SR. UNDERWRITER

AMERICAN HERITAGE LENDING
01.2022 - Current

UNDERWRITING

WESTERN EXPRESS LENDING
01.2021 - 12.2021

SR UNDERWRITER

MOUNTAIN WEST FINANCIAL
09.2019 - 12.2020

REGIONAL UNDERWRITING MANAGER/SR UNDERWRITER

M&T BANK
02.2012 - 09.2019

SENIOR PROCESSOR

M&T BANK
02.2006 - 02.2012

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