Lavonya Robinson
Katy,TX
Summary
Skilled at reviewing documents and making accurate decisions. Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Hardworking Senior Underwriter effective at achieving control and profitability objectives according to company guidelines. Experienced Auditor focused on improving business compliance, workflow and processes through detailed audits and optimization recommendations.
Overview
10
10
years of professional experience
Work History
Senior Underwriter-Auditor Reviewer
Convergenz-Remote
02.2022 - Current
- Analyzing loan files to assess borrower creditworthiness and collateral values, ensuring compliance
- Underwriting residential mortgage loans per Fannie Mae guidelines, maintaining investment quality
- Auditing electronic files for accuracy and re-verifying audit selections, ensuring timely completion
- Verifying liens and title reports are valid and properly recorded positions
- Maintaining knowledge of secondary market thorough analysis of the loan file to determine borrowers credit worthiness and collateral values.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- 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.
Conventional Underwriter
Apex Systems-Remote
01.2019 - 12.2021
- Developing comprehensive knowledge of loan guidelines, DU/LP, and risk tools, ensuring accurate credit decisions
- Reviewing borrower profiles and analyzing income documentation, supporting final loan decisions
- Ensuring file accuracy and completeness, maintaining consistent processes and boosting efficiency
- Evaluating borrower compliance with company guidelines, mastering automated systems like DU and LP
- Significantly improving loan processing efficiency through detailed analysis and system proficiency.
- 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.
- Expedited approval process for qualified loans by conducting thorough risk assessments and verifying borrower''s information.
- Examine title for problems that may impair the transfer of ownership of real property
- Conducted pre-approval reviews of mortgage applications, ensuring accuracy of data entry before submission to underwriting.
Underwriter II
USAA-San Antonio, TX
06.2014 - 12.2018
- Performing a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines
- Performing a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable
- Applying and interpreting company underwriting guidelines and making sound credit decisions
- Completing credit analysis of income, analysis of property, ensuring proper audits are completed and verifying consistency of loan file information
- Identifying risk factors within each loan and utilizing resources, tools, and documentation to detect red flags and clear inconsistencies.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
- Determined and documented loan conditions and communicated requirements and decisions.
- Examine title for problems that may impair the transfer of ownership of real property
Education
Bachelor of Science in Finance -
Urbana State University
06.2004
Associate in Real Estate Management -
Sinclair Community College
06.2001
Skills
- Mortgage processing (5 years)
- Underwriting (10 years)
- Audit reviewer
- Financial Analysis
- Title reviewer
- Account Analysis
- Loss Mitigation (5 years)
- Mortgage Servicing
- Credit Analysis
- Communication skills
- Sales
- Fair Housing regulations
- Customer service
- Pricing
- Microsoft Excel
- Contracts
- Quality control
- Risk management
- Microsoft Word
- Lending
Timeline
Senior Underwriter-Auditor Reviewer
Convergenz-Remote
02.2022 - Current
Conventional Underwriter
Apex Systems-Remote
01.2019 - 12.2021
Underwriter II
USAA-San Antonio, TX
06.2014 - 12.2018
Bachelor of Science in Finance -
Urbana State University
Associate in Real Estate Management -
Sinclair Community College