Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
Maintained up-to-date knowledge of industry trends, best practices, government regulations, market conditions.
Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
Evaluated accounts according to risk, hazard and exposure guidelines and make accurate decisions.
FHA/VA/USDA/Jumbo/NON QM/HELOCS/2nds/DPA
SENIOR UNDERWRITER
MISSION LOANS
01.2023 - 10.2023
Managed all phases of the underwriting process and followed up with loan processors, and loan originators
Determined and documented loan terms and requirements, as well as communicating requirements and decisions
Looked at debt ratios, loan-to-value ratios, credit scores, property valuations, and a variety of other factors when making underwriting decisions
FHA/VA/USDA/Jumbo/NON QM/HELOCS/2nds/DPA
VP RETAIL UNDERWRITING
EQUITY PRIME MORTGAGE LLC
10.2018 - 01.2023
Reporting to COO of company, daily turn times, reporting etc
Working with secondary marketing on unsaleable loans
Maintain direct relationship with sales and processing partners
Supported team members with questions on guidelines and procedures
Exception and scenario support
Managed 10-20 Underwriters in day to day operations
UNDERWRITING MANAGER
CALIBER HOME LOANS INC
02.2013 - 10.2018
Responsible for underwriting of FANNIE/FREDDIE MAC conforming and non-conforming first and second mortgage packages; also, VA SAR Reviewer and FHA underwriting of government applications and ensuring compliance with corporate and agency policies and regulations
Managed and supported a team of 8-10 underwriters as well as branch offices