Open To Work
LISA WALTERHOUSE
San Diego,CA
Summary
Accomplished Senior Mortgage Underwriter specializing in financial analysis and risk assessment. Demonstrated leadership through training junior staff and refining procedures to enhance efficiency, while achieving control and profitability objectives. Focused on collaboration, compliance, and elevating client satisfaction in high-pressure environments.
Overview
1
1
Language
19
19
years of professional experience
Work History
Senior Mortgage Loan Underwriter
Watermark Capital, Inc.
Irvine, CA
10.2025 - 04.2026
- Extensive review of complex financials and credit file to determine risk level associated with each applicant.
- Coordinated with loan officers to gather applicant information and clarify underwriting policies, enhancing application accuracy.
- Monitored 20+ pipeline and existing guidelines for compliance with industry standards and risk levels.
- Verified data against documentation for income, assets and credit.
- Updated knowledge of FNMA, FHLMC and Non-QM requirements to ensure precise loan underwriting and compliance.
- Collaborated with loan officers to gather information on applicants and explain underwriting policies.
- Utilized Encompass and AUS systems for data analysis.
Senior Mortgage Underwriter
California Coast Credit Union
03.2017 - 06.2025
- Analyzed complex mortgage loans for compliance with Fannie Mae and Freddie Mac guidelines, ensuring sound underwriting decisions.
- Performed manual underwriting when necessary utilizing DU and LP automated decision systems as well as AUS.
- Communicated underwriting decisions to relevant parties, clarifying required conditions and stipulations to facilitate loan processing.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Conducted post-closing reviews to ensure accuracy in documentation and compliance with lending guidelines.
- Assisted management with special projects, demonstrating adaptability and commitment to organizational success.
- Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise.
- Interpreted findings from appraisal reports to ensure they meet company requirements.
- Provided guidance and training to junior level underwriters in order to improve their skillset.
- Ensured all loans met investor guidelines prior to funding or purchase by investors.
Senior Mortgage Loan Processor
Skyline Home Loans
01.2015 - 02.2017
- Analyzed financial statements, credit reports, and income statements for accuracy, contacting institutions and customers to clarify details and ensure compliance.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process with effective communication.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process with effective communication.
- Resolved discrepancies and issues during review process, ensuring accurate loan processing and minimizing delays.
Senior Mortgage Loan Processor
US Bank Home Mortgage
01.2011 - 01.2015
- Analyzed financial information, such as income, assets, liabilities, credit reports and appraisals to determine applicants' eligibility for loans.
- Collaborated with underwriters and management to address issues during loan processing, ensuring timely resolution and compliance.
- Explained complex financial terms and conditions clearly to customers, enhancing their understanding and confidence in the loan process.
- Tracked progress of each loan file in the pipeline, facilitating smooth transitions and minimizing delays.
Mortgage Loan Underwriter
Chase Home Loans
03.2007 - 04.2010
- Analyzed potential risks and evaluated loan products, matching customer needs with appropriate options.
- Developed loan plans and payoff strategies for customers, focusing on cost management and financial stability.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Supervised loan personnel, fostering a culture of customer service excellence and performance accountability.
Education
High School Diploma - Finance
Mira Costa College
Oceanside, CA01-1996
Skills
- Expertise in loan assessment
- Underwriting guidelines
- Credit report interpretation
- Debt-to-income ratios
- Risk assessment
- Financial analysis proficiency
- Analyzing data
- Teamwork and collaboration
- Leadership skills
- Relationship building
- Analytical and critical thinking
- Time management
Work Preference
Work Type
Full TimeLocation Preference
RemoteLanguages
English
Full Professional
Timeline
Senior Mortgage Loan Underwriter
Watermark Capital, Inc.
10.2025 - 04.2026
Senior Mortgage Underwriter
California Coast Credit Union
03.2017 - 06.2025
Senior Mortgage Loan Processor
Skyline Home Loans
01.2015 - 02.2017
Senior Mortgage Loan Processor
US Bank Home Mortgage
01.2011 - 01.2015
Mortgage Loan Underwriter
Chase Home Loans
03.2007 - 04.2010
High School Diploma - Finance
Mira Costa College