Summary
Overview
Work History
Skills
Certification
Interests
Timeline
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Linda Poston

San Antonio,TX

Summary

Diligent Underwriter with over 20 years mortgage underwriting experience. Leveraged analytical skills to assess risk and ensure compliance with regulatory standards. Demonstrated proficiency in credit analysis and decision-making.

Experienced with risk assessment and underwriting processes. Utilizes advanced analytical techniques to evaluate borrower profiles and ensure regulatory compliance. Track record of maintaining high standards in loan quality and decision-making.

Astute and methodical Senior Mortgage Underwriter with significant background working with Processors, Loan Officer's and Closers in both Retail, Wholesale and Correspondent environments. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.

Overview

5
5
years of professional experience
1
1
Certification

Work History

Senior Mortgage Underwriter

Pilgrim Mortgage
05.2024 - 02.2025
  • Evaluated loan applications for compliance with regulatory guidelines and company policies.
  • Analyzed credit reports and financial statements to assess borrower risk profiles.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as FNMA/FHLMC/FHA/VA/USDA guidelines, including any investor overlays.
  • Underwrite loans to various bond programs, such as TDHCA, TSAHC, CHENOA and others.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
  • Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
  • Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
  • Fostered a positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
  • Upheld data privacy standards by securely handling confidential client information during the underwriting process.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.

Senior Mortgage Underwriter

PRMG
04.2024 - 04.2024
  • Maintained mortgage program compliance with federal agencies such FNMA/FHLMC/FHA/VA.
  • Underwrite loans to various bond programs, such as TDHCA, TSAHC, CHENOA and others.
  • Evaluated loan applications for compliance with regulatory guidelines and company policies.
  • Analyzed credit reports and financial statements to assess borrower risk profiles.
  • Verified integrity of applicants' information to minimize fraud.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
  • Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
  • Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
  • Upheld data privacy standards by securely handling confidential client information during the underwriting process.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.

Senior Mortgage Underwriter

Great Western Financial Services Inc.
06.2020 - 06.2023
  • Maintained mortgage program compliance with federal agencies such as FNMA/FHLMC/FHA/VA/UDSA guidelines, including any investor overlays.
  • Underwrite loans to various bond programs, such as TDHCA, TSAHC, CHENOA and others.
  • Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
  • Evaluated loan applications for compliance with regulatory guidelines and company policies.
  • Analyzed credit reports and financial statements to assess borrower risk profiles.
  • Verified integrity of applicants' information to minimize fraud.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
  • Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
  • Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
  • Upheld data privacy standards by securely handling confidential client information during the underwriting process.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.

Skills

  • FNMA/FHLMC/FHA/VA/USDA guidelines
  • Loan underwriting expertise
  • Attention to detail
  • Fraud detection
  • Regulatory compliance
  • Financial analysis proficiency
  • Policy adherence awareness
  • Appraisal review expertise
  • Underwriting software: AUS Engines DO/DU/LP & GUS Proficiency with Encompass LOS
  • Teamwork and collaboration

Certification

DE/CHUMS #F573

LAPP/SAR #013610

Interests

  • Knitting and Crocheting
  • Reading
  • Offering time and support to shelters for the homeless, women, and animals
  • Music
  • Road Trips
  • I like trying new recipes and food trends

Timeline

Senior Mortgage Underwriter

Pilgrim Mortgage
05.2024 - 02.2025

Senior Mortgage Underwriter

PRMG
04.2024 - 04.2024

Senior Mortgage Underwriter

Great Western Financial Services Inc.
06.2020 - 06.2023

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Linda Poston