Summary
Overview
Work History
Education
Skills
Timeline
Generic

Lisa M Mansaw

Shawnee,KS

Summary

Dedicated employee with a proven track record of effectively prioritizing workloads and consistently meeting deadlines. Strong background in providing thorough underwriting review for each loan file, ensuring high-quality lending decisions that adhere to lender and agency guidelines. Consistently achieves all goals, standards, and objectives set forth by employers. Commits to exceptional customer service, maintaining positive relationships with customers and coworkers. Excellent oral and written communication skills to convey information and collaborate effectively. Highly motivated individual with a goal-oriented mindset, driven to succeed in all endeavors.

Overview

22
22
years of professional experience

Work History

Mortgage Underwriter

Veterans United Home Loans
04.2011 - Current
  • VA SARR / Conventional / THDA Bond / FHA DE Certification / FHA DPA / Manual UW
  • Strong knowledge of DU, LP, Encompass system
  • Responsible for determining and issuing the credit decision according to agency and lender guidelines
  • Identify possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Analyze and verify applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Work with processing team members to communicate errors and obtain missing information for current applications.
  • Increase customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
  • Support the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
  • Achieve high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
  • Demonstrate sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.

Appeals Specialist

Genworth Mortgage Insurance
12.2009 - 02.2011
  • Review and respond timely to customer appeals to determine whether Genworth's rescission decision has been satisfied
  • Make exception or defense recommendations to Management as appropriate
  • Prepare detailed written responses to customer appeals
  • Ensure recommendations and outputs are defensible and compliant with Master Policy and business requirements
  • Identify customer concerns and escalate to Management as appropriate
  • Identify any rescission output concerns and escalate to Management as appropriate.
  • Managed high-stress situations with professionalism, ensuring that appeals were handled promptly and accurately even under tight deadlines or heavy caseloads.
  • Collaborated with cross-functional teams to gather necessary documentation and evidence to support appeals process.

Investigations Specialist

Genworth Mortgage Insurance
09.2008 - 12.2009
  • Conduct in depth investigations into all aspects surrounding mortgage transaction to identify misrepresentation with loan origination process
  • Evaluate results of outside investigation and determine appropriate file disposition
  • Follow up with external vendors to ensure prompt turnaround of documentation and/or reports (Private Investigator's reports, Brokers Price Opinion) needed for completion of investigations review
  • Prepare internal and external communication regarding investigations findings.
  • Maintained high degree of professional ethics while handling sensitive and confidential information during investigations.

Mortgage Underwriter

Genworth @ SunTrust Mortgage
01.2007 - 08.2008
  • Underwrite conforming and non conforming loans
  • Analyze each loan to ensure compliance with lender and agency guidelines
  • Provide accurate and timely loan decisions in accordance with all investor, agency and company guidelines
  • Communicated underwriting decision to customers
  • Requires thorough understanding of credit, income and appraisals
  • Properly condition for additional documentation ensuring compliance with lender guidelines
  • Follow established policies and procedures while utilizing data from various sources to make informed and quality decisions
  • Ability to analyze and investigate fraud screen reports.
  • Approved or denied loans based on established criteria and underwriting guidelines.

Mortgage Underwriter

Radian Guaranty
10.2002 - 06.2006
  • Underwrite conforming and non conforming loans for numerous investors and guidelines
  • Extensive knowledge of working with imaged document system and underwrite loans that are scanned into system
  • Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
  • Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.

Education

Associate's Degree -

Kansas City Kansas Community College
Kansas City, KS
08.1998

Skills

  • Residential mortgage lending regulations
  • Underwriting guidelines
  • Collateral Evaluation
  • Self Motivation
  • Time Management
  • Attention to Detail

Timeline

Mortgage Underwriter

Veterans United Home Loans
04.2011 - Current

Appeals Specialist

Genworth Mortgage Insurance
12.2009 - 02.2011

Investigations Specialist

Genworth Mortgage Insurance
09.2008 - 12.2009

Mortgage Underwriter

Genworth @ SunTrust Mortgage
01.2007 - 08.2008

Mortgage Underwriter

Radian Guaranty
10.2002 - 06.2006

Associate's Degree -

Kansas City Kansas Community College
Lisa M Mansaw