Leea Upchurch

• Mortgage underwriter a full risk assessment credit underwrite VA Purchase, VA Cashout, VA IRRRL, High Balance, Non-Delegated, Conventional Purchase, Cashout and Refinance
• SAR Issue NOV per VA guidelines and documentation review
• 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.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Mortgage underwriter a full risk assessment credit underwrite VA Purchase, VA Cashout, VA IRRRL, High Balance, Non-Delegated, Conventional Purchase, Cashout and Refinance
• SAR Issue NOV per VA guidelines and documentation review
• 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.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

• Mortgage underwriter a full risk assessment credit underwrite VA Purchase, VA Cashout, VA IRRRL, High Balance, Non-Delegated, Conventional Purchase, Cashout and Refinance
• Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
• 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.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.

• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
• Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
• Reviewed appraisals and title documents to verify accuracy and completeness.

• Supervised operational staff members processing REO Purchase, VA, FHA, Conventional and USDA Loans
• Mentored departmental team, boosting efficiency, success and morale among employees.
• Collaborated with management on process improvement initiatives to attain goals.
• Implemented workflow processes to increase team volume and efficiency.
• Quality Assurance training
• Fostered a culture of accountability, setting clear expectations for team members that led to improved performance metrics over time.

• Originated residential mortgage loans according to policy and product guidelines
• Collaborated with processing team to expedite loan processing times and ensure timely closings for clients.
• Achieved high levels of client retention by providing exceptional service throughout the loan origination process.
• Maintained strict compliance with industry regulations, ensuring accuracy in disclosures and adherence to lending guidelines.
• Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.

• Ensured efficient workflow management by establishing clear priorities and monitoring progress regularly.
• Analyzed market trends to identify potential risks and opportunities for strategic business development initiatives.
• Enhanced risk assessment accuracy through thorough research and data analysis.
• Managed a high-performing team of underwriters, providing guidance and support to ensure consistent results.
• Implemented technology solutions to automate various underwriting tasks, increasing efficiency and reducing manual errors.
• Maintained compliance with regulatory requirements by staying updated on industry changes and adjusting policies accordingly.
• Mentored junior underwriters in best practices, contributing to their professional development within the organization.
• Built strong relationships with brokers and agents, providing exceptional customer service while negotiating policy terms effectively.
• Reviewed policy applications thoroughly, ensuring

accurate evaluation of risks

• Conducted regular performance reviews for team members, fostering professional growth and promoting a culture of continuous improvement.
• Proactively identified areas for process improvement within the department, implementing changes that led to increased efficiency across teams.
• Established robust internal controls to minimize operational risks while maximizing profitability.
• Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.