Lori Jones
Mortgage Underwriter
Roseburg,OR
Summary
A highly motivated and organized individual with a background in Customer Service and Mortgage Underwriting with a proven ability to exceed loan quality and production expectations with 38 years of experience in the mortgage industry, with the past 17 years as an Underwriter specialized in manual underwriting per guidelines that mirror DU and LPA as well as Jumbo, construction, and non-QM loan programs. I am seeking a position where I can utilize my experience to contribute to the Company's success as well as achieve personal career goals.
Overview
20
20
years of professional experience
Work History
ASSISTANT UNDERWRITING MANAGER
WaFd Bank
Seattle, Washington
01.2023 - 01.2025
- Supervised the Underwriting team for quality assurance, follow guidelines and compliance for Construction, Jumbo and non-QM mortgage loans
- Provide analysis and guidance on scenarios
- Led training sessions in Underwriting Procedures to Processors
- Collaborate with Lending Personnel, Mortgage Bankers, Loan Officers and Processors to provide a positive relationship and experience
- Assisted the Underwriting Manager as needed
- Proficient in analyzing the credit worthiness, financial capacity, cash flow analysis and Ability to repay with extensive experience in analyzing tax returns for self-employed borrowers
- Signing authority up to $2,500,000
UNDERWRITER III
WaFd Bank
Seattle, Washington
03.2008 - 12.2023
- Review and manually approve, counter offer various types of loan products that include Construction loans, manufactured home loans, large acreage, cross collateral, investor loans, HELOC's and land loans per Banks qualifying criteria
- Maintained a working knowledge of all policies, procedures and compliance guidelines
- Assisted Junior Underwriters
- Met and exceeded loan production goals
- Ability to work independently/remotely
- Signing authority up to $750,000
ASSISTANT TO LOAN SERVICING MANAGER
WaFd Bank
Seattle, Washington
01.2005 - 02.2008
- Streamlined loan servicing processes and managed documentation while supporting senior management in daily operations and client communications
- Handles collections with delinquent borrowers. Negotiated payment plans to benefit both the bank and the borrower.
Education
High School Diploma -
Dallas High School
Dallas, ORSkills
- Risk Assessment
- Financial Analysis
- Regulatory Compliance
- Team Leadership
- Data Analysis
- Problem Solving
- Client Relations
Timeline
ASSISTANT UNDERWRITING MANAGER
WaFd Bank
01.2023 - 01.2025
UNDERWRITER III
WaFd Bank
03.2008 - 12.2023
ASSISTANT TO LOAN SERVICING MANAGER
WaFd Bank
01.2005 - 02.2008
High School Diploma -
Dallas High School
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