Lindsay Hunter
Acampo,CA
Summary
Astute and methodical Mortgage Underwriter with significant background working with customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled underwriting. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
20
20
years of professional experience
Work History
Conventional, DE & Bond Underwriter
LoanDepot
09.2020 - Current
- Evaluated loan requests and documents to verify accuracy and completeness.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Researched and updated industry knowledge on changing legislation and regulations.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as HUD, bond agencies and FNMA.
Mortgage Processor
LoanDepot
09.2019 - 09.2020
- Reviewed and validated details of loan applications and closing documentation.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Handled any conditions sent from underwriting departments.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Set up and completed loan submission packages.
Escrow Assistant
Old Republic Title Company
05.2018 - 01.2019
- Prepared and delivered projected HUD-1 settlement statements to lender upon request.
- Prepared estimated closing statements for buyer and seller.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Obtained documents such as proof of insurance and HOA statements.
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Examined purchase and sale agreement for potential items of concern and addressed immediately.
- Forwarded title clearing documentation to title officer for approval.
- Maintained open communication with lenders, brokers and borrowers.
- Scheduled signings and gathered required paperwork.
- Followed-up on status of releases, policies, and return of recorded documents.
Mortgage Processor
Wells Fargo
09.2003 - 05.2018
- Educated customers on loan services and regulations to confirm compliance.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Utilized and trained associates on various financial products and software programs.
- Communicated with originator and applicant concerning progress of loan file.
- Prepared file for final clear-to-close by branch management.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Created strong working relationships with advisors, assistants and support staff.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Handled any conditions sent from underwriting departments.
Education
Bachelor of Arts - Multidisciplinary Studies
Boise State University
Boise, ID12.2019
Skills
- Loan Restructuring
- Credit Decisions
- Underwriting Guidelines
- Underwriting Processes
- LP Underwriting
- Word Processing
- Loan Product Knowledge
- Team Training and Mentoring
- Mortgage Underwriting
- Excellent Customer Service
- Debt Ratios
- Eligibility Requirements
- Desktop Underwriter
- Timing Optimization
Additional Information
Currently underwriting conventional and FHA loans for all states, and bond loans for IL, KS, MO, MI, and OH.
Timeline
Conventional, DE & Bond Underwriter
LoanDepot
09.2020 - Current
Mortgage Processor
LoanDepot
09.2019 - 09.2020
Escrow Assistant
Old Republic Title Company
05.2018 - 01.2019
Mortgage Processor
Wells Fargo
09.2003 - 05.2018
Bachelor of Arts - Multidisciplinary Studies
Boise State University
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