Lavonya Robinson
RICHMOND,TX
Summary
Experienced mortgage underwriter skilled in risk assessment, financial analysis, and loan approval. Strong analytical skills, attention to detail, and effective communication skills. Ability to handle multiple tasks efficiently in fast-paced environments. Ready to contribute to team success a reliable and adaptable with excellent problem solving skills.
Overview
12
12
years of professional experience
Work History
Mortgage Underwriter
Reliable Mortgage
Las Vegas, NV (Remote)
10.2025 - Current
- Review residential mortgage loan applications, including income, assets, credit, and collateral documentation
- Analyze borrower financials to determine ability to repay the loan
- Calculate and validate income (e.g., salaried, self-employed, rental, and other sources)
- Assess credit reports, payment history, and debt-to-income (DTI) ratios
- Review appraisals to ensure property value and eligibility meet guidelines
- Ensure compliance with agency guidelines (e.g., conventional, FHA, VA, USDA) and internal overlays
- Run and interpret findings from Automated Underwriting Systems (AUS) such as DU or LP
- Issue clear and concise loan conditions when additional documentation is required
- Communicate decisions (approval, suspense, or denial) with processors and loan officers
- Review and clear conditions prior to final approval (CTC – Clear to Close)
- Maintain quality control standards and ensure adherence to regulatory compliance. Approve or denied loans based on established criteria and underwriting guidelines.
- Review title and appraisal reports for acceptability and compliance with agency standards.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and Conventional loans.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements.
Quality Compliance Underwriter
Capital Solutions/Freedom Mortgage Corporation
Remote
09.2024 - 06.2025
- Validate income, assets, credit and collateral documentation to determine loan eligibility.
- Evaluate full closed loan packages for completeness and consistency, including final 1003, title policy, CD, and collateral documents.
- Review title and appraisal reports for acceptability and compliance with agency standards.
- Investigate lender responses and rebuttals to resolve significant issues.
- Analyze acceptance of repurchase alternatives to offset risk.
- Identify documentation discrepancies and request appropriate cures from sellers.
- Sign off loan conditions and prepare loan for purchase or suspense notification.
- Communicate clearly, timely and professionally with correspondent sellers regarding loan decisions, suspense conditions, and documentation needs.
Loan Quality Mortgage Underwriter
Convergenz/Fannie Mae
Remote
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.
- Re-underwriting closed loan files to ensure that the loan meets Fannie Mae guidelines
- Performed quality control audits on approved loans to ensure compliance with regulatory requirements and prevent future fraud occurrences.
- Analyze closing documentation such as mortgage note, CD, TRID to ensure properly executed, IPCs are not excessive, and fees are within federal/state tolerances.
- Perform investigations to identify potential fraud through utilization of resources or re-verification of documents such as Lexis Nexis, written/verbal verifications.
- Review loans for quality assurance, misrepresentation, and risk related to credit, collateral, and data accuracy.
- Identify potential fraud and investigate methods of resolving issues.
- Review and manage outstanding repurchases and work with lenders to resolve complicated repurchase or make whole requests.
- Investigate lender responses and rebuttals to resolve significant issues.
- Analyze acceptance of repurchase alternatives to offset risk.
Conventional Mortgage Underwriter
Apex Systems
Remote
01.2019 - 12.2021
- Review residential mortgage loan applications, including income, assets, credit, and collateral documentation
- Analyze borrower financials to determine ability to repay the loan
- Calculate and validate income (e.g., salaried, self-employed, rental, and other sources)
- Assess credit reports, payment history, and debt-to-income (DTI) ratios
- Review appraisals to ensure property value and eligibility meet guidelines.
- Issue clear and concise loan conditions when additional documentation is required
- Communicate decisions (approval, suspense, or denial) with processors and loan officers
- Review and clear conditions prior to final approval (CTC – Clear to Close)
- Maintain quality control standards and ensure adherence to regulatory compliance. Approve or denied loans based on established criteria and underwriting guidelines.
- Review title and appraisal reports for acceptability and compliance with agency standards.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements.
Mortgage Underwriter
USAA
San Antonio, TX
07.2014 - 12.2018
- Review residential mortgage loan applications, including income, assets, credit, and collateral documentation
- Calculate and validate income (e.g., salaried, self-employed, rental, and other sources)
- Assess credit reports, payment history, and debt-to-income (DTI) ratios
- Issue clear and concise loan conditions when additional documentation is required
- Communicate decisions (approval, suspense, or denial) with processors and loan officers
- Review and clear conditions prior to final approval (CTC – Clear to Close)
- Maintained mortgage program compliance with VA,
Education
Certification - FHA, VA And USDA
Campus Mortgage
Hollywood, FL04-2026
Associate of Science - Real Estate Management
Sinclair Community College
Dayton, OH06.2001
Skills
- Mortgage Loan Underwriting
- Mortgage Loan Auditing
- Risk Management
- Decision-making
Timeline
Mortgage Underwriter
Reliable Mortgage
10.2025 - Current
Quality Compliance Underwriter
Capital Solutions/Freedom Mortgage Corporation
09.2024 - 06.2025
Loan Quality Mortgage Underwriter
Convergenz/Fannie Mae
02.2022 - 07.2024
Conventional Mortgage Underwriter
Apex Systems
01.2019 - 12.2021
Mortgage Underwriter
USAA
07.2014 - 12.2018
Associate of Science - Real Estate Management
Sinclair Community College
Certification - FHA, VA And USDA
Campus Mortgage