JOYCE OGOLA

• Calculated income, assets, and liabilities to meet lender requirements.
• Evaluated loans against portfolio and investor guidelines.
• Collaborated with loan originators and processors to correctly review and assess applications and risks.
• Determined loan eligibility and approved or rejected applications.
• Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
• Approved mortgage loans by examining applications and supporting documentation.

Rendered underwriting decisions using AUS for conditional approvals, denials, and final approvals within assigned SLA.

Ensured compliance with Bank and Investor guidelines for DU refi plus, and Freddie Mac HARP loan products.

Maintained up-to-date knowledge of underwriting guidelines, appraisal desk reviews, and compliance department regulatory changes.

Served as Subject Matter Expert for mortgage professionals, LP, and senior Sales and Closing VP.

• Calculated income, assets, and liabilities to meet lender requirements.
• Evaluated loans against portfolio and investor guidelines.
• Researched applicant employment and financial history to confirm document accuracy.
• Collaborated with loan originators and processors to correctly review and assess applications and risks.
• Determined loan eligibility and approved or rejected applications.
• Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
• Supported system administrators for loan origination software by maintaining loan product definitions and specifications.