Linda Fortenberry
Atlanta,GA
Summary
Dynamic Senior Mortgage Underwriter with extensive experience at Fannie Mae, FHA, and VA excelling in cash flow analysis and client relationship management. Proven track record of enhancing loan approval processes and ensuring compliance with banking regulations. Adept at evaluating creditworthiness and mitigating risk, consistently delivering high-quality results in fast-paced environments.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
Mphasis
Orlando, FL
11.2024 - 06.2025
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Performed quality control review of completed loans prior to funding approval.
- Generated letters of denial or commitment based on approved and declined decisions.
- Evaluated loan applications and creditworthiness of potential borrowers.
- Researched any discrepancies between application information supplied by applicants versus third-party sources.
Senior Mortgage Underwriter
FFE Transportation Services
Saint Louis, MO
04.2021 - 10.2024
- Analyzed financial data, including income statements and balance sheets, to assess mortgage loan eligibility.
- Cultivated relationships with external vendors, including title companies and appraisers, to facilitate loan processing.
- Executed quality control reviews of completed loans before funding approval.
- Drafted letters of denial or commitment based on mortgage application outcomes.
REMOTE SENIOR MORTGAGE UNDERWRITER
Fannie Mae
Dallas, TX
01.2023 - 03.2023
- Analyzed data to verify information and check for fraud.
- Assisted with updating and improving credit rating standards to support future clients.
- Provided credit information to loan officers and agencies to fulfill information requests.
- Generated financial ratios, using computer programs, to evaluate customers' financial status.
- Analyzed financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
REMOTE SENIOR MORTGAGE UNDERWRITER
AFN
Brea, CA
12.2020 - 05.2022
- Decided loan approval or denial by assessing individual, company and institution credit.
- Generated financial ratios, using computer programs, to evaluate customers' financial status.
- Included credit analyses and summaries of loan requests and submitted to loan committees for approval.
- Prepared reports that included degree of risk involved in extending credit and lending money.
REMOTE SENIOR MORTGAGE UNDERWRITER
New American Funding
Greenville, SC
04.2020 - 11.2020
- Analyzed data to verify information and check for fraud.
- Collaborated with other financial experts and analysts to approve or deny loans.
- Generated financial ratios, using computer programs, to evaluate customers' financial status.
- Analyzed credit data and financial statements to determine degree of risk involved in extending credit and lending money.
REMOTE Q/M MORTGAGE UNDERWRITER
Angel Oak
Atlanta, GA
11.2019 - 05.2020
- Collaborated with team members to develop and implement processes.
- Researched and analyzed data to create reports and contracts.
- Reviewed work completed by other employees to verify proper spelling and grammar.
- Learnt to operate new office technologies as were developed and implemented.
REMOTE SENIOR MORTGAGE UNDERWRITER
Panorama
Las Vegas, NV
07.2019 - 11.2019
- Provided credit information to loan officers and agencies to fulfill information requests.
- Collaborated with other financial experts and analysts to approve or deny loans.
- Determined company risk through collection of necessary financial information from clients.
- Prepared summaries, presented data and offered opinions on creditworthiness.
- Adhered to federal, state and local financial regulations for fulfillment of safe loans.
REMOTE SENIOR MORTGAGE UNDERWRITER
Situs/ AMC
New York, New York
07.2018 - 09.2019
- Summarized information from dataset with narratives, graphs, and charts.
- Generated reports to track and analyze project performance and progress.
- Partnered with teams to guide quality and process improvements.
- Tracked change order requests and financial impact on project.
- Created and modified procedures to solve complex issues.
REMOTE SENIOR MORTGAGE UNDERWRITER
Caliber
Dallas, TX
07.2016 - 05.2018
- Collaborated with other financial experts and analysts to approve or deny loans.
- Determined company risk through collection of necessary financial information from clients.
- Prepared summaries, presented data and offered opinions on creditworthiness.
- Analyzed data to verify information and check for fraud.
- Analyzed financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
MANAGER OF CREDIT UNDERWRITING
Highland Mortgage
Atlanta, GA
03.2015 - 04.2016
- Generated financial ratios, using computer programs, to evaluate customers' financial status.
- Conferred with credit association and other business representatives to exchange credit information.
- Compared liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in same industries and geographic locations.
- Consulted with customers to resolve complaints and verified financial and credit transactions.
- Included credit analyses and summaries of loan requests and submitted to loan committees for approval.
- Conducted performance reviews for team members.
- Coached, mentored and trained team members in order to improve their job performance.
- Ensured compliance with regulatory requirements and industry standards.
MANAGER CREDIT RISK ANALYST
Regions Bank
Birmingham, AL
06.2014 - 01.2015
- Analyzed data to verify information and check for fraud.
- Presented credit reports, providing essential information to supervisors.
- Prepared summaries, presented data and offered opinions on creditworthiness.
- Prepared reports that included degree of risk involved in extending credit and lending money.
TEAM LEADER MORTGAGE UNDERWRITER
Wells Fargo Bank
Minneapolis, MN
03.2009 - 12.2013
- Adhered to federal, state and local financial regulations for fulfillment of safe loans.
- Determined company risk through collection of necessary financial information from clients.
- Decided loan approval or denial by assessing individual, company and institution credit.
- Analyzed financial data, such as income growth, quality of management, and market share to determine expected profitability of loans.
Education
BACHELOR OF SCIENCE (B.S.) - EDUCATION
Clayton State University
Morrow, GA05.2009
Skills
- Cash flow analysis
- Policy and procedure management
- Banking regulations
- Verbal and written communication
- Lending regulations
- Client relationship management
- Underwriting and adjustments
- Desktop underwriting
- Government compliance standards
- Loan evaluation processes
- Lender relationship management
Certification
- DE Chums ID
- VA Lapp/Sar
Timeline
Senior Mortgage Underwriter
Mphasis
11.2024 - 06.2025
REMOTE SENIOR MORTGAGE UNDERWRITER
Fannie Mae
01.2023 - 03.2023
Senior Mortgage Underwriter
FFE Transportation Services
04.2021 - 10.2024
REMOTE SENIOR MORTGAGE UNDERWRITER
AFN
12.2020 - 05.2022
REMOTE SENIOR MORTGAGE UNDERWRITER
New American Funding
04.2020 - 11.2020
REMOTE Q/M MORTGAGE UNDERWRITER
Angel Oak
11.2019 - 05.2020
REMOTE SENIOR MORTGAGE UNDERWRITER
Panorama
07.2019 - 11.2019
REMOTE SENIOR MORTGAGE UNDERWRITER
Situs/ AMC
07.2018 - 09.2019
REMOTE SENIOR MORTGAGE UNDERWRITER
Caliber
07.2016 - 05.2018
MANAGER OF CREDIT UNDERWRITING
Highland Mortgage
03.2015 - 04.2016
MANAGER CREDIT RISK ANALYST
Regions Bank
06.2014 - 01.2015
TEAM LEADER MORTGAGE UNDERWRITER
Wells Fargo Bank
03.2009 - 12.2013
BACHELOR OF SCIENCE (B.S.) - EDUCATION
Clayton State University
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