LESLIE BUMANGLAG
Nampa,Idaho
Summary
Certified Mortgage Underwriter with 20+ years in the mortgage industry. Extensive knowledge in FHA, Conventional and VA loans, specializing in manual and automated underwriting. Known for a positive attitude, strong work ethic, and unwavering integrity. Exceptional interpersonal communication skills foster strong relationships with clients and colleagues. Committed to strict policy compliance, ensuring accuracy and minimizing risk. Thrives in high-stress, deadline-driven environments while consistently delivering exceptional customer service.
Overview
14
14
years of professional experience
Work History
Loan Acquisition Specialist II
Idaho Housing and Finance Association
07.2023 - Current
- Implemented effective risk management strategies to mitigate potential challenges throughout the acquisition lifecycle.
- Completed compliance review for income analysis and calculations Including self-employment and wage earner analysis
- Review of Condominium Project eligibility requirements and classification.
- Complete a wide range of functions including review of executed documents, data integrity and condition loan files for missing documents and/or doc corrections.
- Clear incoming conditions and purchase loan.
Mortgage Underwriter III
Mr. Cooper
09.2015 - 06.2022
- 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.
- 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.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
Underwriter/Income Auditor
Wells Fargo
03.2011 - 09.2015
- Analyzed income documentation and asset documentation with a detailed calculation process to determine qualifying ratios.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined financial statements and tax returns to determine repayment capability.
Skills
Excellent Communication
Adaptability and Flexibility
Decision-Making
Product Knowledge
Risk Management
Financial Analysis
Certifications
Certified Residential Underwriter 2022- Mortgage Brokers Association
Earlier career history
- Underwriter/Loan Processor, Bank of America, 2009-2010
- Loan Processing Manager, Homefield Financial, 2005-2008
- Underwriter, The Lending Connection, 2002-2004
- Underwriter, E*Trade, 1998-2002
Signature skills
- VA appraisal review and approval
- Conventional and FHA Mortgage Loan Underwriting
- Self-employed income analysis
- Dispute/Conflict Resolution & De-Escalation
- Borrower/Client Relationship Management
- Loan Compliance
- Credit, Asset & Liability Analysis
- Underwriting to Fannie Mae/ Freddie Mac, FHA and VA
- Risk Profile & Risk Management Assessment
- Mortgage/Loan Product Knowledge
- Determining Creditworthiness & Providing Risk Options
- Document Analysis & Interpretation
- Underwriting Due Diligence
Timeline
Loan Acquisition Specialist II
Idaho Housing and Finance Association
07.2023 - Current
Mortgage Underwriter III
Mr. Cooper
09.2015 - 06.2022
Underwriter/Income Auditor
Wells Fargo
03.2011 - 09.2015
Similar Profiles
NEBUCHADNEZZAR JOYNERNEBUCHADNEZZAR JOYNER
Hazard Claims Specialist at Idaho Housing and Finance AssociationHazard Claims Specialist at Idaho Housing and Finance Association
Jonathan MezaJonathan Meza
Solutions Engineer at Idaho Housing and Finance AssociationSolutions Engineer at Idaho Housing and Finance Association
Angelika De WitAngelika De Wit
Resident Assistant at Idaho State University HousingResident Assistant at Idaho State University Housing
Oradawn NunezOradawn Nunez
Paralegal at Ramirez Smith LawParalegal at Ramirez Smith Law
Jeffrey W. GunstreamJeffrey W. Gunstream
Videographer, Event Production Specialist at ScentsyVideographer, Event Production Specialist at Scentsy