Lana Huebner
New Berlin,WI
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
21
21
years of professional experience
Work History
Underwriter III
Associated Bank
08.2012 - 01.2023
- Recently laid off due to downsizing of Third Party Origination department (Wholesale and Correspondent) due to economy and outlook for 2023
- Recipient "Circle of Excellence" Award - 2021
- Underwrote Portfolio loans, Jumbo loans up to $2 million, and FNMA loans.
- Analyzed credit, income, assets, and compliance during underwriting process. Adherred to ATR/QM requirements.
- Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.
- Determined and documented loan conditions and communicated requirements and decisions.
- Trained and mentored new underwriters.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Completed special projects as needed.
- Retail Channel - Underwrote Construction loans
- Maintained required annual training on: RESPA, Home Mortgage Disclosure Act, ECOA, FCRA, TILA, OFAC, BSA
Mortgage Fraud Review Underwriter
OPUS Capital Markets
02.2010 - 08.2012
- Fraud Review of mortgage files for Fannie Mae
Mortgage Underwriter
Universal Mortgage Corporation
10.2008 - 01.2010
- Underwrote Conventional FNMA loans.
Mortgage Underwriter (due to Reorganization)
AIG United Guaranty
11.2006 - 06.2008
- Underwrote mortgage files to FNMA, FHLMC, and National Investor Guidelines – broker and correspondent channels. Investor examples: Wells Fargo, WAMU, Ohio Savings Bank (Amtrust), Citibank, Chase, Countrywide, Franklin American, HSBC.
- Maintain customer relationships
Regional Trainer
AIG United Guaranty
04.2003 - 11.2006
- Responsible for the training of all staff and contract employees (Underwriters and Associate Underwriters) for United Guaranty’s “Field Operations West” Offices: Milwaukee, Chicago, Dallas, St. Louis, Kansas City, Minneapolis, Houston, Denver, Phoenix, Seattle, and California. Training requires travel or by phone / webinar.
- Examples of Training Topics: Appraisal, Tax Returns, Income, Assets, Mortgage Insurance, Investor changes and Investor Automated Underwriting Systems (Zippy, Gemstone, CLOUT, e-Magic and TRIO). Responsible for assisting in adherence to FNMA, FHLMC, and Investor guidelines.
- Provide training on all of United Guaranty’s systems and FNMA’s Desktop Underwriter and FHLMC’s Loan Prospector.
- Assist Regional Underwriting Managers with training needs specific to their offices.
- Provide Operational Readiness Reviews of Regional Offices.
- Research and Creating of Training Material (PowerPoint, etc.).
- Maintain Access database of all employee training.
- Assist in company initiative of paperless environment – implementation of digital imaging software – eiStream.
- Special Projects assigned as needed (facilitate working groups).
- Assisted Corporate Training Department with revamping of appraisal and tax return training booklets for customer and employee training
- Attend Regional Management Meetings and Annual Company Meeting
Mortgage Underwriter
AIG United Guaranty
09.2001 - 04.2003
- Underwrite mortgage files to FNMA, FHLMC, and National Investor Guidelines – broker and correspondent channels.
- Maintain customer relationships – including training.
- Training for customers on topics such as: appraisal, processing, and tax analysis. Verified integrity of applicants' information to minimize fraud.
Education
High School Diploma -
Northwestern Prep (now Luther Prep)
Watertown, WISkills
- Time Management
- Critical Thinking / Analytical
- Compliance
- Detail Oriented
- Risk Assessment
Timeline
Underwriter III
Associated Bank
08.2012 - 01.2023
Mortgage Fraud Review Underwriter
OPUS Capital Markets
02.2010 - 08.2012
Mortgage Underwriter
Universal Mortgage Corporation
10.2008 - 01.2010
Mortgage Underwriter (due to Reorganization)
AIG United Guaranty
11.2006 - 06.2008
Regional Trainer
AIG United Guaranty
04.2003 - 11.2006
Mortgage Underwriter
AIG United Guaranty
09.2001 - 04.2003
High School Diploma -
Northwestern Prep (now Luther Prep)
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