Summary
Overview
Work History
Education
Skills
Timeline
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Lori Rinn

Queen Creek,AZ

Summary

Top-notch Underwriter with solid experience in conventional, FHA, and VA loans. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.

Overview

30
30
years of professional experience

Work History

Underwriter III

Guild Mortgage
06.2015 - 02.2023
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations for conventional, FHA, and VA loans
  • Ascertained application viability by verifying collateral values, title reports and appraisals.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.

Underwriter

Bank Of America
04.2012 - 06.2015
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process for conventional and FHA loans.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.

Underwriter

PRMG
03.2011 - 04.2012
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process for FHA and conventional loans all while meeting and maintaining SLA'S

Processor/Mortgage Underwriter

Countrywide Mortgage
04.2004 - 04.2011
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Verified integrity of applicants' information to minimize fraud.
  • Collaborated with loan officers to obtain additional information and resolve discrepancies.
  • Underwritten conventional loans

Loan Processor

Carl I Brown
04.2003 - 04.2004
  • Set up and completed loan submission packages.
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Provided quick turnaround times to maintain fast-past schedule.

Loan Processor

Republic Mortgage Home Loans LLC
04.2002 - 04.2003


  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.

Loan Processor

Weyerhauser Mortgage
01.1993 - 04.2002
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.

Education

Business

University of Illinois At Urbana-Champaign
Champaign, IL

Skills

  • Time Management
  • Underwriting Process Expertise
  • Underwriting Calculations
  • Government Lending

Timeline

Underwriter III

Guild Mortgage
06.2015 - 02.2023

Underwriter

Bank Of America
04.2012 - 06.2015

Underwriter

PRMG
03.2011 - 04.2012

Processor/Mortgage Underwriter

Countrywide Mortgage
04.2004 - 04.2011

Loan Processor

Carl I Brown
04.2003 - 04.2004

Loan Processor

Republic Mortgage Home Loans LLC
04.2002 - 04.2003

Loan Processor

Weyerhauser Mortgage
01.1993 - 04.2002

Business

University of Illinois At Urbana-Champaign

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Lori Rinn