Mortgage underwriting professional with robust history of evaluating loan applications and ensuring adherence to financial standards. Proven ability to collaborate with team members and adapt to evolving industry requirements. Recognized for keen analytical skills and reliability in delivering accurate assessments.
Overview
10
10
years of professional experience
Work History
Mortgage Underwriter
Digital Risk
01.2019 - Current
Approved or denied loans based on established criteria and underwriting guidelines.
Maintained over 50-60 loan applications per month
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.
Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Maintained a 100 % customer satisfaction score by providing clear, concise explanations of complex underwriting decisions.
Increased loan processing capacity by 75% by mentoring junior underwriters, sharing expertise in efficient application evaluation.
Reduced loan approval times by 14 days by analyzing borrower's financial status, credit, and property evaluations to meet tight deadlines.
Reviewed appraisals and title documents to verify accuracy and completeness.
Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
Mortgage Loan Processor
J.G. Wentworth Home Lending
01.2016 - 12.2018
Prepared documents for underwriting by verifying client income, credit reports and other information.
Perform analysis on Freddie Mac and Fannie Mae findings to help provide additional information to underwriter.
Proactively manage workflow to ensure loan files meet key milestone dates Setting and maintaining proper expectation to all parties on the file. Reviewed financial statements and contacted institutions and customers to clarify details.
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Managed 30-60 loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
Operations Coordinator
Dima Marketing
09.2014 - 12.2015
Oversaw daily operations for staff of 10 employees. Interacted with vendors, contractors and professional services personnel to receive orders, direct activities and communicate management instruction.
Ensured compliance with all company standards and procedures.
Gathered statistical data to enhance reports and presentations; managed scheduling of appointments and meetings for employees.
Led successful projects from conception to completion, achieving objectives on time and within budget constraints.
Collaborated with area managers to evaluate needs and optimize operational plans.
Education
Bachelor of Arts - Marketing
Florida Atlantic University
Boca Raton, FL
05.2015
Associate of Arts - Business Management / Administration
Palm Beach State College
Palm Beach Gardens, FL
05.2013
Skills
Efficient with Encompass, I fulfill and ACAPS
Underwriting guidelines
Documentation review
Collateral evaluation
Income calculation
Jumbo and super jumbo loans
Attention to detail
Analytical and critical thinking
Creditworthiness determination
Risk assessment
Residential mortgage lending regulations
Application analysis
Accomplishments
Top Junior Processor at J.G.Wentworth Home Lending in 2016.
Earned operational Excellence in 2016 for Teamwork, Leadership and ongoing improvement at J.G. Wentworth Home Lending.
Top 10 in production for Digital Risk in 2024 and 2025
Timeline
Mortgage Underwriter
Digital Risk
01.2019 - Current
Mortgage Loan Processor
J.G. Wentworth Home Lending
01.2016 - 12.2018
Operations Coordinator
Dima Marketing
09.2014 - 12.2015
Bachelor of Arts - Marketing
Florida Atlantic University
Associate of Arts - Business Management / Administration