Lavonya Robinson
Katy,TX
Summary
Hardworking and effective Senior Underwriter with a proven track record of achieving control and profitability objectives in accordance with company guidelines. Collaborates with field producers to support marketing and sales activities, leveraging over 15 years of experience in the mortgage industry. Detail-oriented team player with strong organizational skills, capable of handling multiple projects simultaneously while maintaining a high degree of accuracy. Seeking a full-time position that offers professional challenges, where interpersonal skills, excellent time management, and problem-solving abilities can be utilized.
Overview
10
10
years of professional experience
Work History
Senior Mortgage Underwriter
Convergenz-Fannie Mae
02.2022 - 07.2024
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations purchase and refinance
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Conducted regular audits of underwriting files, ensuring compliance with regulatory requirements and internal policies.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Enhanced document accuracy meticulously reviewing and verifying closing disclosure and title for correctness.
- Maintained high degree of accuracy under pressure by always double-checking closing statements, loan documents, and other pertinent information for discrepancies.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Mortgage Underwriter II
Apex Systems
01.2019 - 12.2021
- Provided exceptional customer service, addressing borrower inquiries promptly and professionally throughout the underwriting process.
- Participated in quality assurance reviews, providing feedback and recommendations to improve underwriting practices.
- Conducted pre-approval reviews of mortgage applications, ensuring accuracy of data entry before submission to underwriting.
- Managed a diverse pipeline of loans while maintaining high levels of accuracy in decision making.
- Collaborated with loan officers, processors, and other internal stakeholders to ensure smooth workflow and timely closings.
- Enhanced loan application processing by efficiently reviewing and analyzing borrowers'' financial documents.
- Conducted due diligence on potential investments and presented findings to investors.
- Expedited approval process for qualified loans by conducting thorough risk assessments and verifying borrower''s information.
- Streamlined communications between departments, regularly liaising with sales teams, processors, closers, and management to expedite the loan decision-making process.
- Communicated with title company and borrower to resolve title issues.
- Reduced title discrepancies by proactively researching and resolving any potential issues in advance.
- Enhanced operational efficiency by reviewing and verifying loan closing documents for accuracy and completeness.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
Mortgage Underwriter II
USAA-San Antonio, TX
06.2014 - 12.2018
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
- Maintained strong relationships with third-party vendors involved in application process, ensuring smooth transactions for all parties involved.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Enhanced underwriting efficiency with automated system for managing application data.
- Supported review and acceptance or denial of new or renewal business.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Determined and documented loan conditions and communicated requirements and decisions.
- Calculated group and individual renewal rates based on customers' background, industry and demographic information.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Enhanced operational efficiency by reviewing and verifying loan closing documents for accuracy and completeness.
- Reduced title discrepancies by proactively researching and resolving any potential issues in advance.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure seamless mortgage underwriting process.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
Education
Bachelor of Science - Finance
Urbana State University
Urbana, OH06.2004
Associate of Science - Real Estate
Sinclair Community College
Dayton, OH06.2001
Skills
- Underwriting (15 years)
- Credit Analysis
- Risk Management
- Quality Audit Assurance
- Analyzing data
- Customer Service and Communication Skills
- Strong decision-making
Timeline
Senior Mortgage Underwriter
Convergenz-Fannie Mae
02.2022 - 07.2024
Mortgage Underwriter II
Apex Systems
01.2019 - 12.2021
Mortgage Underwriter II
USAA-San Antonio, TX
06.2014 - 12.2018
Bachelor of Science - Finance
Urbana State University
Associate of Science - Real Estate
Sinclair Community College
Similar Profiles
Sivananda Reddy DhoneSivananda Reddy Dhone
Product Owner at Fannie MaeProduct Owner at Fannie Mae
VENKAT CHITTEPUVENKAT CHITTEPU
Sr. Product Manager - Finance Technology at Fannie MaeSr. Product Manager - Finance Technology at Fannie Mae
Brett SmithBrett Smith
Capital Markets and Treasury CFO at Fannie MaeCapital Markets and Treasury CFO at Fannie Mae
Anthony Robles GonzalezAnthony Robles Gonzalez
ROTC Cadet at Bravo CompanyROTC Cadet at Bravo Company
Cody SmithCody Smith
VP of Operations at Eccell GroupVP of Operations at Eccell Group