Driven Mortgage Underwriter with over 10 years of experience in both Conventional and FHA loan seeking to utilize my experience to make a significant contribution to the success of your company.
Overview
12
12
years of professional experience
Work History
Senior Underwriting 3
NFM Lending
Linthicum, MD
01.2022 - 05.2022
Responsible for underwriting mortgages including pre-qualifying buyers for new construction loans, recommending loans for approval on all residential properties
Communicate immediately and effectively verbally and in writing with all internal departments with identified conditions needed for approval
Clearing conditions on loans for final approval
Maintain acceptable turnaround times for applications submitted and re-submissions for final approval
Experienced with using Encompass.
FHA DE Underwriter 3
Sierra Pacific Mortgage
Folsom, CA
09.2019 - 09.2021
Underwrote/Decisioned FHA both automated and manual loans
Appraisal reviews and issued Conditional Commitments for FHA Loans
Extensive knowledge of manufactured home loan programs & any company overlays
Demonstrated excellent follow-through with Borrowers, Processor, Loan Originators and Management throughout all phases of the loan process.
Retail Government Underwriter
MUFG Union Bank
Tempe, AZ
08.2015 - 06.2018
Successfully achieved and exceeded monthly/quarterly production goals for funding while consistently maintaining initial decisions
Revised FHA Underwriter Job Aid which resulted in making the underwriting review process more efficient
Job aid was implemented companywide
Monitored the government scenario mailbox providing guidance to sales agents and managers that increased FHA submissions.
Consumer Loan Underwriter 3
Wells Fargo Home Mortgage
Tempe, AZ
09.2010 - 08.2015
Obtained DE Certification {GF 94}, passed all test cases, successfully completed required number of appraisal reviews
Leveraged knowledge of loan products to restructure turned-down loans for subsequent approvals while insuring loans were in compliance with lending, government and underwriting guidelines
Team Lead Duties, managing daily file flow, assigning new loans, kept Underwriters updated any new or changes in guidelines and new programs resolved any issues with KPsales and customer service complaints and assisted underwriters with reworking loans for counter offers.
Education
Skills
Morgage Underwriting
Conventional Loans
FHA Loans
Pre-qualifying Buyers
Loan Approval
Communication
Encompass
Appraisal Reviews
Conditional Commitments
Manufactured Home Loan Programs
Follow-through
Funding Goals
FHA Underwriting
Efficiency Improvement
Government Scenario Guidance
Consumer Loan Underwriting
DE Certification
Loan Restructuring
Compliance with Guidelines
Team Management
Business Management
Finance
Educationlocation
Tempe, AZ
Educationinstitution
Maricopa Community Colleges -Rio Salado Community College
<ul><li>Oversaw all operational functions during the successful amalgamation of two legacy mutual insurers into a single, unified organization. Reported directly to the CEO and played a key leadership role in aligning people, processes, and performance with long-term strategic goals.</li><li>Led the full operational transformation of Salus Mutual, uniting teams and systems from two legacy organizations under a cohesive structure with shared goals and culture.</li><li>Redesigned leadership accountabilities and implemented new KPI and SLA frameworks, enabling stronger performance management and outcome tracking.</li><li>Built internal capacity in key operational areas, reducing reliance on external consultants and establishing a culture of ownership, capability, and continuous improvement.</li><li>Established an Operations function to support Claims, Underwriting, and Sales, delivering enterprise-wide value through data insights, process improvements, project delivery, and enhanced customer service.</li><li>Collaborated closely with the Senior Leadership Team and Board of Directors to co-develop and launch the organization’s first corporate strategy post-amalgamation.</li><li>Held P&L responsibility for $45M in Gross Written Premium, with a strong focus on operational efficiency and strategic growth.</li><li>Delivered key strategic outcomes, including: First-ever member rebate in company history, First employee engagement survey, achieving a 75% engagement score, 3% reduction in expense ratio through operational efficiencies and cost control.</li></ul> at Salus Mutual Insurance Company<ul><li>Oversaw all operational functions during the successful amalgamation of two legacy mutual insurers into a single, unified organization. Reported directly to the CEO and played a key leadership role in aligning people, processes, and performance with long-term strategic goals.</li><li>Led the full operational transformation of Salus Mutual, uniting teams and systems from two legacy organizations under a cohesive structure with shared goals and culture.</li><li>Redesigned leadership accountabilities and implemented new KPI and SLA frameworks, enabling stronger performance management and outcome tracking.</li><li>Built internal capacity in key operational areas, reducing reliance on external consultants and establishing a culture of ownership, capability, and continuous improvement.</li><li>Established an Operations function to support Claims, Underwriting, and Sales, delivering enterprise-wide value through data insights, process improvements, project delivery, and enhanced customer service.</li><li>Collaborated closely with the Senior Leadership Team and Board of Directors to co-develop and launch the organization’s first corporate strategy post-amalgamation.</li><li>Held P&L responsibility for $45M in Gross Written Premium, with a strong focus on operational efficiency and strategic growth.</li><li>Delivered key strategic outcomes, including: First-ever member rebate in company history, First employee engagement survey, achieving a 75% engagement score, 3% reduction in expense ratio through operational efficiencies and cost control.</li></ul> at Salus Mutual Insurance Company