Latasha Allen
Stockton,CA
Summary
Mortgage underwriting professional with a robust history of evaluating loan applications and ensuring adherence to financial standards. Proven ability to collaborate with team members and adapt to evolving industry requirements. Recognized for keen analytical skills and reliability in delivering accurate assessments.
Overview
12
12
years of professional experience
Work History
Mortgage Underwriter
Golden One Credit Union
04.2022 - Current
- Evaluated mortgage applications for compliance with underwriting standards and guidelines.
- Analyzed credit reports and financial statements to assess borrower eligibility.
- Collaborated with loan officers to clarify borrower documentation requirements.
- Implemented risk assessment procedures to enhance decision-making accuracy.
- Reviewed property appraisals and title reports for validity and completeness.
Underwriter
Fremont Bank
05.2013 - 03.2022
- Responsible for purchase, refinance, combo loans, and stand alone seconds
- Review and interpret complex personal, business returns, RSU income, and bank statement income.
- Prepare pre-qual purchase letters
- Review stand-alone second mortgages.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals.
- High level of production while maintaining quality standards of performance
- Review of 2mm loans and prepare loans for loan committee
Client Relations Manager
Law Offices of Jason Estavillo
08.2018 - 12.2019
- Responsible for client intake, sales, and marketing
- Prepare retainer agreement
- Meet with clients
- Prepare files for attorney case assessments
- Prepare loan modification, loss mitigation documentation and workout resolution plan.
- Assess ability to repay
- Cash handling, process of payments, and deposits into treasury account
Education
California State University
Skills
- Lending systems:
- Fannie Mae DU expertise
- LOS; E-Class; Clarity; Clear Capital; Fraudguard; Empower
- Legal Systems: Lawpay; Lexicata; Salesforce; Clio
- Property management systems: Yardi; Background check systems
- Customer Service
Affiliations
- Event promotions and organization.
- Booking guest. Reserving venue.
- Coordinate culinary staff.
- Setup up and coordinate non profit and paid events.
- Manage event staff.
- Create and manage budget.
- Design flyers
- Organize advertisement and promotions.
Personal Information
Title: Mortgage Underwriter
Timeline
Mortgage Underwriter
Golden One Credit Union
04.2022 - Current
Client Relations Manager
Law Offices of Jason Estavillo
08.2018 - 12.2019
Underwriter
Fremont Bank
05.2013 - 03.2022
California State University