Latasha Sullivan
Fenton
Summary
Dynamic Senior Mortgage Underwriter with expertise in Government - FHA and VA as well as FNMA guidelines and strong decision-making skills. Proven track record at Flagstar Bank in managing diverse mortgage portfolios, ensuring compliance, and enhancing customer satisfaction. Adept at fraud detection and collateral evaluation, consistently achieving high-quality outcomes while training junior team members.
Experienced with risk assessment and underwriting processes. Utilizes advanced analytical techniques to evaluate borrower profiles and ensure regulatory compliance. Track record of maintaining high standards in loan quality and decision-making.
Overview
24
24
years of professional experience
Work History
Senior Mortgage Underwriter
AD Mortgage
03.2025 - Current
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with federal agencies, such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Developed strong relationships with clients, realtors, and other stakeholders to facilitate smooth communication throughout the mortgage process.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Senior Mortgage Underwriter
Flagstar Bank, FSB
04.2011 - 03.2025
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA/Freddie
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Approved or denied loans based on established criteria and underwriting guidelines.
Underwriting Assistant/Jr Underwriter
Flagstar Bank, FSB
04.2009 - 04.2011
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
- Supported underwriters with thorough research and documentation, enabling informed decisions on coverage limits and premium pricing.
- Maintained a high level of professionalism in all interactions with clients, ensuring that their needs were met in a timely and satisfactory manner.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Aided in training new Underwriting Assistants, sharing knowledge of company procedures and systems to ensure their successful integration into the team environment.
- Maintained high levels of accuracy in data entry, reducing errors in policy issuance and minimizing potential losses.
- Served bankers, internal staff and borrowers by offering alternative options and explaining credit decisions.
- Reviewed sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans.
- Collaborated with team members to achieve department goals, consistently meeting or exceeding established performance metrics.
- Served as a liaison between underwriters and other departments, ensuring smooth workflow and timely completion of tasks related to policy processing.
- Completed daily logs for management review.
Broker Coordinator
Aegis Wholesale
04.2002 - 08.2007
- Developed strong relationships with clients through consistent follow-up and personalized service.
- Participated in team meetings, contributing ideas for process improvements that increased overall efficiency.
- Streamlined communication between clients and brokers, ensuring timely responses to all parties involved.
- Managed high volume of daily transactions for efficient brokerage operations.
- Organized and maintained broker files, improving document accessibility and reducing search time.
- Leveraged brokerage pricing techniques and tools, market awareness and knowledge to secure business while building customer portfolio.
Mortgage Loan Processor
Birmingham Bancorp Mortgage
10.2000 - 03.2002
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Prepared file for final clear-to-close by branch management.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Communicated with originator and applicant concerning progress of loan file.
- Developed strong working relationships with real estate agents, further expanding referral networks for the company.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
Education
High School Diploma -
Gladwin High School
Gladwin, MI06-1998
Skills
- Credit risk assessment
- Loan underwriting
- Regulatory compliance
- Financial analysis
- Documentation review
- Customer service
Accomplishments
- Achieved an overall ranking of exceeds expectation from direct manager by completing daily tasks, high level positive customer service reviews, high volume producer with accuracy and efficiency resulting in a high quality overall ranking.
- Achieved an overall ranking of exceeds expectations from direct manager for high levels of quality. For the year of 2024 overall quality score of 99.83%.
References
Carrie Cooper
Sr Government Underwriter
Trenton, MI
C 734-624-2717
Keith Geiger
Wholesale Lending Account Executive
C 239-839-5372
Laurel LaFleure
Vice President/Underwriting Manager
C 248-703-4950
Skills
- FHA DE endorsed, FHA guidelines and proficient with the FHA Handbook 4000.1
Timeline
Senior Mortgage Underwriter
AD Mortgage
03.2025 - Current
Senior Mortgage Underwriter
Flagstar Bank, FSB
04.2011 - 03.2025
Underwriting Assistant/Jr Underwriter
Flagstar Bank, FSB
04.2009 - 04.2011
Broker Coordinator
Aegis Wholesale
04.2002 - 08.2007
Mortgage Loan Processor
Birmingham Bancorp Mortgage
10.2000 - 03.2002
High School Diploma -
Gladwin High School
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