Julie Smith
Mortgage Underwriter
Katy,TX
Summary
Detailed Senior Mortgage Underwriter offering extensive background reviewing residential mortgage loan applications including FHA, Conventional, Jumbo, Non-QM and USDA. In-depth knowledge of income calculations, tax returns, credit reports, appraisals and title reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Excel in critical thinking, decision-making, and problem-solving to ensure smooth loan approval processes. Team player collaborates well with other underwriters, originators and processors to produce quality results.
Overview
10
10
years of professional experience
Work History
Senior Mortgage Underwriter
DHI Mortgage Company - Remote
06.2021 - 11.2022
- Reviewed, evaluated, and approved or declined FHA and Conventional mortgage loan applications for compliance with company policies and procedures.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- 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.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
Senior Mortgage Underwriter
Patriot Home Mortgage - Remote
10.2020 - 09.2021
- Reviewed, evaluated, and approved or declined FHA and Conventional mortgage loan applications for compliance with company policies and procedures
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
Mortgage Underwriter
Mr. Cooper - Remote
08.2020 - 10.2020
- Assessed risk factors associated with loan requests to determine whether they meet established criteria for approval, in accordance with company guidelines.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Analyzed financial documents, such as tax returns, bank statements, pay stubs, and credit reports, to determine the borrower's ability to repay the loan.
- Identified potential issues related to title, appraisals, insurance coverage.
FHA DE Mortgage Underwriter
Freedom Mortgage - Remote
03.2020 - 08.2020
- Reviewed and analyzed FHA loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Verified accuracy of data entered into automated underwriting systems to ensure compliance with FHA standards.
- Determined the eligibility of mortgage applications based on government lending regulations and internal policies.
Underwriter II
SourcePoint Staffing - Remote
12.2019 - 02.2020
- Reviewed and evaluated loan applications to assess creditworthiness, risk, and eligibility for approval.
- Analyzed financial information, including income, assets, liabilities, and credit history of applicants.
- Verified accuracy of documentation, such as income statements, tax returns, bank statements, and other related documents.
- Communicated effectively with lenders, brokers and other external partners involved in transactions.
Mortgage Underwriter
Deseret First Credit Union
West Valley City, Utah
03.2018 - 11.2019
- Reviewed and analyzed loan applications for completeness and accuracy.
- Assessed risk levels associated with each loan application based on established criteria.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Analyzed financial documents, such as tax returns, bank statements, pay stubs, and credit reports, to determine the borrower's ability to repay the loan.
- Provided support and guidance to junior underwriters, and other team members.
- Collaborated with loan originators and processors to obtain necessary documentation for the underwriting process.
- Underwrote all construction loans for the credit union.
FHA DE Underwriter
Freedom Mortgage - Remote
02.2015 - 12.2017
- Reviewed and analyzed loan documents, such as credit reports, income documents, appraisals, title reports, and other related items, to determine compliance with FHA guidelines.
- Verified accuracy of data entered into automated underwriting systems to ensure compliance with FHA standards.
- Prepared detailed written decisions summarizing loan analysis results in accordance with established procedures.
- Ensured loans met all underwriting guidelines for government-sponsored entities (GSEs) such as Fannie Mae and Freddie Mac.
QC Underwriter
Wells Fargo Bank, N.A.
Tempe, Arizona
03.2013 - 11.2015
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Prepared and presented reports on loan activities and performance to senior management.
- Ensured all underwriting activities complied with company policies and external regulations.
- Applied rating to encourage safe, profitable distribution of risks.
Education
Some College (No Degree) - Business Classes
Salt Lake Community College
High School Diploma -
Murray High School
Skills
- Analytical and Critical Thinking
- Decision-Making
- Adaptability
- Automated Underwriting System (AUS)
- Organizational Skills
- Time Management
- Multitasking
- Attention to Detail
- Income Evaluation
- Credit analysis
FNMA Guidelines
Strong decision-making
Mortgage industry knowledge
Loan Underwriting Expertise
Debt-to-Income Ratios
Residential Loans
LTV Calculations
Application Analysis
Fraud Detection Abilities
Residual Incomes
Quality control measures
Tax Return Analysis
Loan-to-Value Ratio Calculation
Debt-to-Income Ratio Analysis
Asset Verification Methods
Collateral Evaluation Competence
Employment Verification Techniques
Underwriting Software Familiarity
Credit Report Interpretation
Appraisal Review Expertise
Underwriting guidelines
Residential mortgage lending regulations
Documentation Review
Income Calculation Accuracy
Policy Adherence Awareness
Work Preference
Work Type
Full TimeLocation Preference
RemoteOn-SiteHybridImportant To Me
Career advancementWork-life balanceWork from home optionPersonal development programsCompany CultureTimeline
Senior Mortgage Underwriter
DHI Mortgage Company - Remote
06.2021 - 11.2022
Senior Mortgage Underwriter
Patriot Home Mortgage - Remote
10.2020 - 09.2021
Mortgage Underwriter
Mr. Cooper - Remote
08.2020 - 10.2020
FHA DE Mortgage Underwriter
Freedom Mortgage - Remote
03.2020 - 08.2020
Underwriter II
SourcePoint Staffing - Remote
12.2019 - 02.2020
Mortgage Underwriter
Deseret First Credit Union
03.2018 - 11.2019
FHA DE Underwriter
Freedom Mortgage - Remote
02.2015 - 12.2017
QC Underwriter
Wells Fargo Bank, N.A.
03.2013 - 11.2015
Some College (No Degree) - Business Classes
Salt Lake Community College
High School Diploma -
Murray High School