Lisa Martin
Underwriter
Houston,US
Summary
Dynamic and results-driven Senior Underwriter with extensive experience at Citi Mortgage, excelling in risk evaluation and credit analysis. Proven track record in enhancing loan approval rates through critical problem-solving and quality control. Adept at fostering stakeholder communication and implementing effective loss mitigation strategies to optimize financial outcomes.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Forensic/Mitigation Underwriter (Contract)
Mphasis/Digital Risk
08.2020 - 10.2022
- Review and provide quality control feedback on loan files completed by assigned associates.
- Conducted a thorough review and analyses of borrowers' financial documents, including financial statements, hardship letters, tax returns, bank statements, pay stubs, Profit & Loss statements, and credit reports, leading to informed and strategic decision-making.
- Successfully identified and recommended the best possible loan modification plans aligning with investor, insurer, and client guidelines, optimizing financial outcomes and client satisfaction.
- Underwrite & analyze Investor/Agency guidelines to make sure transaction meets requirements, identify misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation transaction.
- Performed forensic underwriting review of closed mortgage loan files for compliance with applicable State and federal laws and adherence to specific lender guidelines.
- Review and analyze borrower's mortgage applications, credit reports and related documents, and analyze real estate purchase contracts.
- Reviewed employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirements.
- Developed and maintained detailed managerial reports that tracked the workout function and progress of loans on a daily, weekly, and monthly basis, enhancing transparency and enabling data-driven decisions.
- Successfully reviewed credit, income, and assets documentation to determine borrowers' creditworthiness and repayment ability, performing risk analysis and forensic review.
- Conducted a thorough review on more complex loans, including but not limited to self-employed borrowers, analyzed business tax returns and calculated qualifying income, identifying transaction components that indicate the potential of fraud within the loan documents.
- Followed AUS findings as well as manually underwrite loans, clearing conditions needed to get loan approved and clear to close all while complying according to guidelines.
- Gather and review of public records to verify information on the owners' properties or businesses, searching for red flags or any fraudulent activity using database Lexis-Nexis.
- Executed risk analysis on loan applications, enhancing approval accuracy and reducing potential losses through meticulous documentation review.
Remote Underwriter (Contract)
Source Point
05.2019 - 09.2020
- Evaluated financial documents for accuracy and completeness in underwriting decisions.
- Maintained up-to-date knowledge of industry regulations and compliance requirements.
- Utilized underwriting software to streamline processes and improve efficiency.
- Communicated decisions clearly to stakeholders through detailed reports and discussions.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
Sales Marketing Manager
SaratogaHomes
01.2017 - 03.2019
- Drove new business growth by developing strategic realtor partnerships and delivering impactful presentations.
- Consistently achieved sales targets through effective CRM management and proactive client engagement.
- Enhanced realtor collaboration, boosting referral rates and expanding sales opportunities.
- Refined sales strategies using market trend analysis, aligning presentations with client needs.
- Strengthened community presence and client relations through targeted follow-ups and event participation.
Sr. Processor/Closer/Funding
Saratoga-Homes / JNC Mortgage
07.2016 - 01.2017
- Analyzed loan applications to ensure compliance and accuracy, enhancing approval rates.
- Coordinated closing processes, ensuring timely and accurate document preparation for successful funding.
- Facilitated communication among stakeholders, resolving issues to streamline loan processing.
- Implemented client orientation, improving customer satisfaction and retention.
- Confirmed loan document accuracy pre-closing, minimizing errors and delays.
- Reviewed and validated loan documents, ensuring compliance and accuracy.
- Utilized advanced tools to detect and prevent fraudulent activities, enhancing loan security.
- Facilitated clear communication with title companies and loan officers to streamline loan processes.
- Resolved documentation issues promptly, improving loan approval timelines.
- Contributed to quality loan decisions, impacting overall client satisfaction.
Junior Underwriter
SunTrust Mortgage
12.2014 - 06.2016
- Evaluated credit profiles and documentation, ensuring regulatory compliance and accuracy.
- Strengthened client relations by delivering exceptional service and maintaining open communication.
- Analyzed financial documents, enhancing decision-making process and credit approval efficiency.
- Evaluated credit profiles and property characteristics, ensuring compliance with internal guidelines, leading to reduced risk in lending decisions.
- Streamlined documentation verification processes, achieving measurable improvements in turnaround times and enhancing client satisfaction.
- Maintained precise records of financial documentation, ensuring accuracy and compliance, which upheld the integrity of the underwriting process.
Senior Underwriter
Citi Mortgage
03.2012 - 12.2014
- Evaluated mortgage applications to assess creditworthiness and risk factors.
- Reviewed and analyzed financial documents for compliance with lending standards.
- Communicated underwriting decisions to stakeholders clearly and professionally.
- Documented all decisions made during the underwriting process in accordance with regulatory requirements.
- Reviewed, evaluated and approved and declined high-risk mortgage loan applications for compliance with company policies and procedures.
- Reviewed appraisals for accuracy before approving a loan package for submission.
Education
Business Administration - Marketing
Lone Star College
Houston, TX11.2025
Google Project Management Certificate - Project Management
Coursera
Houston, TX07-2024
FHA/VA DE Underwriting Certification -
Diehl & Associates
Houston, TX05.2013
Skills
- Critical problem solving
- Negotiation tactics
- Analytical skill set
- Project coordination
- Decision-making
- Risk evaluation
- Due diligence processes
- Communication skills
- Loss mitigation
- Quality control
- Credit analysis
- Problem-solving aptitude
- Team building
- Critical thinking
Community Service
- Homebuyer Education Workshops, Educate potential homebuyers about the mortgage process, financing options, and budgeting for homeownership.
- Church Donation Drives, Clothes and food for the community and members.
- Houston Food Bank, Feed the homeless and less fortunate families.
- CyFair Hope Chest, Free food pantry.
- Affordable Housing Advocacy, Affordable housing options.
- Financial Literacy Programs, Help community members improve their financial knowledge, manage debt, and understand credit scores.
- Credit Repair Seminars, Educate potential homebuyers on how credit works.
Personal Information
Title: Senior Mortgage Underwriter
Certification
Supervisor Certification
Timeline
Forensic/Mitigation Underwriter (Contract)
Mphasis/Digital Risk
08.2020 - 10.2022
Remote Underwriter (Contract)
Source Point
05.2019 - 09.2020
Sales Marketing Manager
SaratogaHomes
01.2017 - 03.2019
Sr. Processor/Closer/Funding
Saratoga-Homes / JNC Mortgage
07.2016 - 01.2017
Junior Underwriter
SunTrust Mortgage
12.2014 - 06.2016
Senior Underwriter
Citi Mortgage
03.2012 - 12.2014
Business Administration - Marketing
Lone Star College
Google Project Management Certificate - Project Management
Coursera
FHA/VA DE Underwriting Certification -
Diehl & Associates