Christa Aydelotte
Summary
Experienced mortgage financial professional with over 30+ years’ of experience. Strong work ethic, adaptability, and exceptional interpersonal skills. I have worked in wholesale/retail and can adapt very quickly and under pressure.
I hold my NMLS #274265, DE CHUMS- FHA - LAPP/ SAR- VA certifications. I have my MBA Mortgage UW certification and hold my license in the State of Utah. I'm seeking a new position that will allow me to utilize my extensive background in problem-solving, analytics, customer service, underwriting, and management to continue to grow my professional career.
Overview
9
9
years of professional experience
Work History
Corporate Wholesale Underwriting Manager
Hometown Equity Mortgage/DBA the Lender
Lake Forest, CA
03.2022 - Current
- Responsibilities include managing a team of 12 WS underwriters.
- Hiring, coaching, and mentoring.
- Assist as needed with post- closing clearing and audit responses from third-party vendors.
- Underwrite as needed conventional mortgage loans (FNMA/Freddie), Non-QM, DSCR, BS, Asset depletion, tax returns, and FHA/VA/USDA loans.
- Assisted internal staff with scenario support including VA, FHA, and USDA, NON-QM, 2nd and providing constant backup and support to all team members.
- Assigning daily files to ensure turn times were met, conducting meetings and training as needed for staff. Work together with Ops Manager, Account managers, loan officers, Sales managers, daily and various other department heads to insure smooth process and customer service goals are met.
- Restructure loan programs/counteroffer if needed to qualify. Very experienced in evaluating income (W2, 1040s, Sch C, Sch E, S-Corp 1120S, Partnership, Corp 1120), credit, assets, AUS feedback (DU, LPA), collateral and fraud reports.
- Work closely with pipeline management reports and production tracking as well as daily file and suspense reports and assignments. Assist QC with fraud investigation on files and clearing of findings. Work close meet monthly funding goals and monitor movement daily to make sure goal is met. Currently my team is the top team for the company in monthly units and volume.
Divisional Underwriting Manager
City First/Clear Mortgage | Bountiful, UT
Bountiful, UT
01.2021 - 03.2022
- Responsibilities include managing underwriting team and underwriting conventional, FHA, VA, USDA, mortgage loans.
- Scenario support and providing constant backup and support to all team members. Currently underwriting new underwrites each day, handling condition resubmittals to ensure a 24-48 hour turn time is met.
- Daily file assignments and pipeline management. Work with QC audits and Post closing department as needed. Work together with loan officers and processors on files. Underwriter Support Manage hire and train new employees. Help to restructure loans as needed program/counter offers.
- Very experienced in evaluating income (W2, 1040s, Sch C, Sch E, S-Corp 1120S, Partnership, Corp 1120), credit, assets, AUS feedback (DU, LPA), collateral including Condos and fraud reports.
Corporate Wholesale & Retail Underwriting Manager
Hometown Equity Mortgage/DBA the Lender
Lake Forest, CA
06.2020 - 12.2020
- Responsibilities include managing a team of 29 underwriters.
- Hiring, coaching, and mentoring them. Assist as needed with post-closing clearing and audit responses from third-party vendors.
- Underwrite as needed conventional mortgage loans (FNMA/Freddie), FHA/VA/USDA loans. Assisted internal staff with scenario support including VA, FHA, Non-QM, and USDA, and provided constant back up and support to all team members.
- Assigning daily files to ensure turn times were met, conducting meetings and training as needed for staff.
- Work together with processors, junior underwriters, loan officers, branch managers, department heads and team leads to restructure loan program/counteroffer if needed to qualify.
- Very experienced in evaluating income (W2, 1040s, Sch C, Sch E, S-Corp 1120S, P&L, K1, Partnership, Corp 1120), tax return analysis, credit, assets, AUS feedback (DU, LPA), collateral and fraud reports.
Lead Government Senior Mortgage Underwriter
AmWest Funding
Brea, CA
08.2019 - 06.2020
- Responsibilities included underwriting FHA/VA and conventional mortgage loans (FNMA/Freddie), Underwriter and LO scenario support including VA and FHA.
- Training new hires and pipeline Management for my team. Provided constant back up and support to all team members. Collaborated with processors and MLO with update and restructure loan program/counteroffer if needed to qualify.
- Very experienced in evaluating income (W2, 1040s, Sch C, Sch E, S-Corp 1120S, Partnership, Corp 1120), credit, assets, AUS feedback (DU), collateral and fraud reports
Underwriting Manager III
Guild Mortgage Company
St. Lake City, Utah
06.2015 - 07.2019
- Responsibilities include managing a team of 12 underwriters.
- Hiring, coaching, and mentoring them. Assist as needed with post- closing clearing and audit responses from third party vendors.
- Underwrite as needed conventional mortgage loans (FNMA/Freddie), FHA/VA/USDA loans. Assisted internal staff with scenario support including VA, FHA, and USDA, and providing constant back up and support to all team members.
- Assigning daily files to ensure turn times were met, conduct, and prepare meetings and trainings as needed for staff. Work together with processors, junior underwriters, loan officers, branch managers, department heads and team leads to restructure loan program/counteroffer if needed to qualify.
- Very experienced in evaluating income (W2, 1040s, Sch C, Sch E, S-Corp 1120S, Partnership, Corp 1120), credit, assets, AUS feedback (DU, LPA), collateral and fraud reports, Condo approvals thru CPM also were completed by me. Help to create and maintain positive relationship between Branch Partners and Corporate Office.
Education
General Ed and Medical training
SLCC University
09-1990
High School Diploma -
Cyprus High School
06-1990
Skills
- Credit / Underwriting
- Residential / Wholesale Mortgage Lending
- Ops / Underwriting Manager Portfolio Management
- Credit Policy
- Customer Service
- Employee Training
- Commercial Investment Loans and Lending
- QC / Loss Mitigation
- Forensic Underwriting
- Post-Closing / Review
- Condo/CPM approval/review Condo/CPM approval/review
- Credit Union/Portfolio product creation
- Anti-Money Laundering (AML)
- Bank Secrecy Act (BSA)
- RESPA
- TILA / TRID
- HMDA / FDCPA
- FACTA / Safe Act
- NON-QM-DSCR/BS/P&L ETC /ALT-A/JUMBO/Second Mortgage
Software Experience
• Encompass/Point/Mtgbot • Lending QB • Empower • Desktop Underwriter • Collateral Underwriter • Loan Prospector • Impact • Loan Safe/Fraud guard/Fraud plus • Data Verify• LMS • Mortgage Flex • VA VIP Portal • FHA Connection • Microsoft Office • Evolve • Salesforce • Credco • LoanIQ • Black Knight
Timeline
Corporate Wholesale Underwriting Manager
Hometown Equity Mortgage/DBA the Lender
03.2022 - Current
Divisional Underwriting Manager
City First/Clear Mortgage | Bountiful, UT
01.2021 - 03.2022
Corporate Wholesale & Retail Underwriting Manager
Hometown Equity Mortgage/DBA the Lender
06.2020 - 12.2020
Lead Government Senior Mortgage Underwriter
AmWest Funding
08.2019 - 06.2020
Underwriting Manager III
Guild Mortgage Company
06.2015 - 07.2019
General Ed and Medical training
SLCC University
High School Diploma -
Cyprus High School
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