Katya Hayford
Summary
Experienced mortgage underwriter offering 15-year career in field with demonstrated record of accomplishment. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Familiar with wide range of loan products.
Overview
15
15
years of professional experience
Work History
Senior Mortgage Underwriter
Security National Mortgage Corp
07.2015 - 12.2022
- Evaluated financial status, creditworthiness and collateral of each applicant to determine risk level of granting loan
- Maintained current understanding of FNMA and FHLMC and FHA and Bond loan requirements to accurately underwrite loans
- Managed and prioritized pipeline of loans to meet closing dates
- Fielded underwriting questions from internal and external customers and offered clear answers or direction
- Maintain close attention to details throughout underwriting process
- Worked within approval limits to move loans forward and conferred with managers to handle larger and more complex applications
- Communicate with clients regarding eligibility Issues
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Underwriter Mortgage Underwriter
Prospect Mortgage Corp
07.2010 - 07.2015
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Worked within approval limits to move loans forward and conferred with managers to handle larger and more complex applications
- Communicate with clients regarding eligibility Issues
- Kept up with service level objectives and consistently meet deadlines
- Maintained current understanding of FNMA, FHLMC, FHA, USDA and Bond loan requirements to accurately underwrite loans.
Underwriter
Mortgage Services, Inc, WMC Mortgage
10.2007 - 07.2010
- Reviewed and analyzed sub-prime mortgage loans submitted by investor for repurchase by evaluating data and identifying risk issue
- Kept up with service level objectives and consistently meet deadlines
- Applied knowledge of secondary market guidelines to underwrite loans
- Reported on audit findings via verbal presentations and detailed written reports.
Skills
- Underwriting requirements knowledge
- Analytical thinking
- Attention to details / accuracy
- Problem -solving
- Desire to learn
- Communication
- Teamwork
- Disciplined, well organized and service oriented
- Self-starter, proactive and work independently
- Possess excellent record of credit risk decisions with investors
- Knowledgeable in computer software MC Office
Timeline
Senior Mortgage Underwriter
Security National Mortgage Corp
07.2015 - 12.2022
Underwriter Mortgage Underwriter
Prospect Mortgage Corp
07.2010 - 07.2015
Underwriter
Mortgage Services, Inc, WMC Mortgage
10.2007 - 07.2010
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