Encompass
Lisa Erwin
Mortgage Loan Underwriter III
HUNTSVILLE,AL
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with mortgage customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 28 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Enthusiastic Mortgage Underwriter eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel in mortgage. Excellent reputation for resolving problems and improving customer satisfaction. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Dedicated mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
1
1
Certification
Work History
Mortgage Loan Underwriter III
FirstBank
Huntsville, United States
08.2020 - 09.2022
- 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.
- 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.
- Checked personal and team calculations to validate information and underwriting decisions.
- Met 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Senior Mortgage Loan Processor
Supreme Lending
Dallas, TX
04.2013 - 08.2020
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
- Communicated with originator and applicant concerning progress of loan file.
- Set up and completed loan submission packages.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies and government clerks.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all types of loans.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Oversaw file input in mortgage software and grant-specific software.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
Education
High School Diploma -
Briarwood Christian
Birmingham, AL 08.1974 - 05.1978
Skills
Dependable and Responsible
Deep knowledge of bankruptcy processes
Practiced at FHA loan process
Proficient in 10-key
FNMA Guidelines
Application Analysis
Debt-to-Income Ratios
Asset Statements
Residual Incomes
Loan to Value Ratio Calculations
FHLMC Guidelines
Residential Loans
Non-QM Markets
Data Entry
Financial transactions expertise
Financial analysis aptitude
Software
Certification
DE
Timeline
Mortgage Loan Underwriter III
FirstBank
08.2020 - 09.2022
Senior Mortgage Loan Processor
Supreme Lending
04.2013 - 08.2020
High School Diploma -
Briarwood Christian
08.1974 - 05.1978