Laura Hayes
Sheffield Village,OH
Summary
To Acquire a Mortgage Underwriter position Reviewing Conventional FHA and VA transactions. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Self Sufficient, quick learner and Detail-oriented with strong organizational skills.
Overview
29
29
years of professional experience
Work History
Underwriter, Govt Sr
Freedom Mortgage Corporation
11.2024 - Current
- Analyze credit, income, compliance during process.
- Document/Support underwriting decisions and provide evidence of compliance with applicable regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Approval and Denial recommendations by determining accurate risk levels.
Mortgage Underwriter
American Midwest Mortgage Corp.
03.2020 - 06.2024
- Company Overview: Out of Business
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions
- Finalize Loan decisions based on overlays of various lenders criteria and underwriting guidelines
- Analyze, Review applicant income, assets, credit history, Appraisal and title report to support compliance with underwriting guidelines
- Underwrite Mortgage loans in compliance with Residential mortgage program compliance with federal agencies FNMA, HUD and VA
- Review and clear borrower conditions to provide clear to close transaction
- Answer loan officer questions regarding loan products, guidelines and loan scenarios via Scenario email line
- Out of Business
Contract Underwriter
AIG United Guaranty
07.2003 - 06.2005
- Underwrote mortgage Loans for Conventional Transactions
- Worked with various brokers and investor loan products
- Provided final loan decisions with use of DU and LP programs
- Cleared various loan conditions and provided clear to close transactions
- Worked Remote and eventually worked onsite with Charter One Wholesale Dept
Mortgage Underwriter
Real Estate Mortgage Corp.
09.1995 - 06.2003
- Underwrote Mortgage Loans for Conventional, FHA and VA transactions
- Worked in Team environment
- Finalized loan decisions
- Reviewed and cleared loan conditions and provided clear to close transaction
Education
High School Diploma -
Lakewood High School
Skills
- Desktop Underwriter
- Loan Product Advisor
- Government Lending
- Loan Product Knowledge
- SAR approved
- CHUMS approved
- Encompass Software
- FNMA Guidelines
- FHLMC Guidelines
- FHA Guidelines
- Researching Guidelines
- Technology
- Learning new skills
- LAPP approved
- Organized
- Create Detailed Narratives
Timeline
Underwriter, Govt Sr
Freedom Mortgage Corporation
11.2024 - Current
Mortgage Underwriter
American Midwest Mortgage Corp.
03.2020 - 06.2024
Contract Underwriter
AIG United Guaranty
07.2003 - 06.2005
Mortgage Underwriter
Real Estate Mortgage Corp.
09.1995 - 06.2003
High School Diploma -
Lakewood High School
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