Laura Corlies
Sr. Mortgage Underwriter
KING CITY,OR
Summary
Talented Underwriter with 20 years' experience and specializing in Mortgage Lending underwriting. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Well versed in various loan products and familiar with agencies requirements. Seeking to bring talent and leadership to growing organization.
Overview
10
10
years of professional experience
Work History
Sr, Underwriter
Hometown Lenders
Huntsville, AL
02.2021 - Current
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Evaluate residential loan applications, including credit, income, assets and collateral documents to determine program eligibility and credit worthiness of consumer.
- Assessed loan conditions and provided effective feedback regarding decisions.
- Advanced in analyzing tax returns and the self employed (1040 personal; Sch C; Sch E (Rental); 1065 Partnership; 1120S S-Corp, K-1s and 1099s) to determine qualifying income.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Recognized by management and peers for providing excellent customer service.
- Promoted High customer satisfaction by resolving problems with knowledgeable and friendly service.
- Experience remote worker with successful results.
Sr. Underwriter
Churchill Mortgage Corporation
Brentwood, TN
12.2019 - 01.2021
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Used authority to decide whether to accept, reject or suggest modifications to application proposals.
- Conducted comprehensive review of paperless files which I analyzed and evaluated to render loan decisions.
- Advanced in analyzing tax returns and self employed borrower.
Sr. Underwriter
Commerce Home Mortgage
Lake Oswego, OR
07.2018 - 12.2019
- Achieved production goals with strong work ethic and delivering excellent customer service.
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Used authority to decide whether to accept, reject or suggest modifications to application proposals.
Sr. Underwriter
Loanstar Home Lending
Lake Oswego, OR
07.2015 - 07.2018
- Achieved production goals by working as a team with both sales and operations.
- Advanced in analyzing tax returns and the self employed borrowers.
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Used authority to decide whether to accept, reject or suggest modifications to application proposals.
- Evaluate residential loan applications, including credit, income, assets and collateral documents to determine program edibility and credit worthiness of consumer.
Sr. Underwriter
CMG Financial
Lake Oswego, OR
11.2013 - 07.2015
- Assisted marketing and sales departments by providing expertise in underwriting and related areas.
- Achieved production goals by working closely with Brokers (Loan officers and processors) and our internal staff to ensure timely closings.
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Worked with various brokers and develop partnerships with them to provide excellent customer service.
Education
Skills
- FHA DE CHUMS
- VA SAR
- Jumbo loans
- USDA Rural Housing
- State Bond Loan Programs
- Strong written and oral communication skills
- Customer Service oriented
- Critical Thinker
- Time management
- Encompass and Calyx Point experience
- Microsoft
- Excel
- Quality assurance standards
- Product and service knowledge
Work Preference
Work Type
Full TimeWork Location
On-SiteRemoteHybridImportant To Me
Company CultureWork-life balanceWork from home optionPersonal development programsTimeline
Sr, Underwriter - Hometown Lenders
02.2021 - Current
Sr. Underwriter - Churchill Mortgage Corporation
12.2019 - 01.2021
Sr. Underwriter - Commerce Home Mortgage
07.2018 - 12.2019
Sr. Underwriter - Loanstar Home Lending
07.2015 - 07.2018
Sr. Underwriter - CMG Financial
11.2013 - 07.2015
Portland State University - ,
Clackamas Community College - ,
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