Lisa DiPaola

• Assessed loan applications to ensure creditworthiness and adherence to regulatory guidelines.
• Analyzed financial documents and assessed risk factors for mortgage approvals.
• Facilitated underwriting processes in alignment with jumbo investor guidelines.
• Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
• Facilitated collaboration with loan officers to optimize underwriting processes.
• Executed underwriting processes in accordance with SONYMA and PHFA guidelines for down payment assistance.
• Knowledgeable in analyzing Federal & Business Tax Returns for Qualifying purposes.
• Engaged with bankers and analysts to clarify documentation requirements essential for obtaining final approval.
• Executed quality control reviews of files to ensure compliance before clearance to close.
• Contributed to team success through active participation in training sessions and professional development opportunities.
• Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.

• Assessed loan applications to ensure creditworthiness and adherence to regulatory guidelines.
• Led initiatives with loan officers to refine underwriting workflows, resulting in improved efficiency and faster turnaround times. Oversaw conventional underwriting of residential loans, ensuring compliance with investor guidelines.
• Clarified product specifications and underwriting criteria for processors and loan officers to facilitate informed decision-making.
• Conducted thorough quality assurance assessments of files to facilitate timely closure processes.
• Knowledgeable in analyzing Federal Tax returns for qualifying purposes.
• Instructed and guided operations processors for performance reviews.
• Structured loans to meet client needs and to meet investor guidelines.
• Developed training materials to enhance team understanding of underwriting standards and procedures.
• Implemented quality control measures to ensure accuracy in loan processing and documentation.
• Conducted thorough reviews of appraisals, titles, and other relevant documentation for decision-making.

· Conventional underwriting of residential loans to investor guidelines.

· Collaborated with Branch Manager for pipeline management.

· Answered product/underwriting questions from Processors/Loan Officers.

· Performed QC review of files prior to clear to close.

· Knowledgeable in analyzing Federal Tax returns for qualifying purposes.

· Reviewed and cleared conditions per commitment letter.

· Maintain an underwriting pipeline of over $5,000,000.

· Instructed and guided operations processors for performance reviews.

· Structured loans to meet client needs and to meet investor guidelines.

· Collateral review for condominium structures.

• Assessed mortgage applications to ensure adherence to regulatory guidelines and company policies.
• Evaluated borrower financial data to determine creditworthiness and mitigate risk exposure.
• Assisted in conducting scenario analyses to identify risks related to loan applications. Supported underwriting decisions by providing relevant findings. Aided in managing daily operations of the underwriting department.
• Assessed and underwrote conventional loans to ensure compliance with established investor standards.
• Conducted thorough underwriting of jumbo loans, aligning with investor guidelines to mitigate risk.
• Addressed product and underwriting inquiries from processors and loan officers.
• Collaborated with loan officers to design tailored loan structures that enhance client satisfaction.