Laurie J. Devericks
Mesa
Summary
Accomplished mortgage professional with over twenty years of underwriting experience, seeking to transition into a remote work environment while contributing expertise to a new field. Exceptional attention to detail and strong analytical skills are essential for maintaining high production standards and quality in underwriting. Consistently ranked among the top 10% nationwide, with a proven track record of recognition from peers and management for outstanding quality and productivity. Eager to leverage extensive industry knowledge and skills in a dynamic, supportive role that fosters growth and collaboration.
Overview
14
14
years of professional experience
Work History
MORTGAGE UNDERWRITER
Bank of America
05.2021 - Current
- Lending Authority $500,000
- Underwrite home equity loans. Decision approximately 100 loans per month with attention to quality and accuracy. Review titles, appraisals, flood certifications and make the decision based on overall credit worthiness, policies and procedures.
UNDERWRITER I
JP Morgan Chase
07.2020 - 05.2021
- Lending Authority: $647,200
- Analyze Agency (FNMA and FHLMC) refinance and purchase applications for decision based on credit, income, and collateral.
- Assist colleagues with questions and assist with productivity.
- Participate in our team’s weekly manager meetings to benefit the group as a whole.
- Consistently in the top 10% for productivity.
- Home Equity department was eliminated temporarily due to COVID
UNDERWRITER III (Home Equity)
JP Morgan Chase
07.2013 - 07.2020
- Maximum Lending Authority of $500,000 for Home Equity
- Decision an average of 80 Home Equity applications per month
- 100% Quality
- Analyze Home Equity applications, with a specialty of Jumbo loan requests, for decision based on credit, income, and collateral.
- Maintain high productivity and quality since joining the Home Equity Dept.
- Experience on the Flex Underwriting team and given the authority to make exceptions for documentation, collateral options, debt to income, etc.
- Assist colleagues with questions and assist with productivity.
- Experience as one of the original members of the Underwriter Review Panel.
- Frequently assist with new hire training classes as a Subject Matter Expert for the Chase Home Equity system, income analysis, and appraisal review.
- Participate in our team’s weekly manager meetings to benefit the group as a whole.
SR MORTGAGE UNDERWRITER
JP Morgan Chase
12.2011 - 07.2013
- Lending Authority $1,500,000
- Underwrite Conventional, FNMA, Freddie Mac home loans (refinances and purchases) for clients.
- Decision approx. 200 home loans per month with 90% accuracy.
- Review titles, appraisals, flood certifications and make determinations based on credit worthiness, policies and procedures.
Education
Bachelors - Business Administration
National American University
Sioux Falls, SD11.2000
Skills
- Critical analysis of documentation
- Expertise in underwriting standards
- Residential mortgage compliance
- Application evaluation
Timeline
MORTGAGE UNDERWRITER
Bank of America
05.2021 - Current
UNDERWRITER I
JP Morgan Chase
07.2020 - 05.2021
UNDERWRITER III (Home Equity)
JP Morgan Chase
07.2013 - 07.2020
SR MORTGAGE UNDERWRITER
JP Morgan Chase
12.2011 - 07.2013
Bachelors - Business Administration
National American University