Marilyn Insley
Prairieville,LA
Summary
Senior Mortgage Underwriter with 25+ years of expertise in utilizing Encompass, FNMA DU, and Freddie Mac LPA. Highly skilled in managing high loan volumes, maintaining loans monthly with a keen eye for compliance and quality. Reputation for enhancing underwriting processes and fostering team collaboration, resulting in seamless operations and strict adherence to agency and government guidelines.
Overview
26
26
years of professional experience
Work History
Mortgage Underwriter
Network Funding LP
10.2024 - Current
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
Tax Officer 1
Louisiana Department of Revenue
07.2024 - 09.2024
- Research, collect, and resolve delinquent tax liabilities in accordance with departmental policies and procedures
- Enforce state tax laws, assisting business taxpayers in complying with state state laws
- Research and evaluate taxpayer information through various computer databases and financial records
Senior Mortgage Underwriter
Fidelity Bank
06.2012 - 02.2024
- Underwrote diverse loans including FHA, USDA, VA, Conventional, HFA's, and bond loans
- Maintained constant communication with loan officers and processors for seamless operations
- Ensured adherence to agency and government guidelines in underwriting
- Delivered excellent customer service while maintaining efficient turn times
- Balanced loan volume growth and underwriting quality, reducing risk
- Mentored junior underwriters, fostering a collaborative team environment
- Uncover any undisclosed debt, cash flow issues, or other missing financial information
- Focused on meticulous compliance with all regulatory requirements
Mortgage Underwriter
GMFS
09.2011 - 05.2012
- Worked closely with Loan Officers, Processors and Brokers
- Maintained high-quality underwriting standards with meticulous attention to detail
- Leveraged analytical skills to address complex underwriting challenges
- Underwrote Conventional and USDA loans in accordance with guidelines
Fraud Analyst
IEM Inc
06.2011 - 08.2011
- Conducted thorough review of Road Home applications to mitigate risk of benefit duplication
- Assessed and approved loan applications ensuring compliance with regulations
- Collaborated with the Small Rental Department to streamline processes
- Identified potential fraud patterns through analytical review
- Significantly reduced the risk of financial loss through vigilant fraud detection
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
10.2010 - 05.2011
- Analyzed and approved large, unusual, complex individual consumer mortgage loans
- Underwrote Home Affordable Refinance Program loans
- Provided work direction and training to team members
- Contributed to team production
- Ensured compliance with federal guidelines across all mortgage evaluations
Analyst III
Hammerman & Gainer
05.2009 - 10.2010
- Reviewed homeowner applications for discrepancies and determine necessary documents needed to complete files for closing
- Determined the eligibility of files based on title, ownership documents, appraisal and other documentation provided
- Contacted applicants for documentation needed to complete file for closing
- Worked closely with HGI Legal Team to ensure all legal documents are properly reviewed
Loan Reviewer/Underwriter II
ICF International/ The Road Home Program
09.2007 - 05.2009
- Review appraisals and titles for discrepancies and determine necessary documents needed to complete files for closing
- Research document discrepancies and work with title companies to facilitate correct titles
- Determine the eligibility of files based on title, ownership documents, appraisal and other documentation provided
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
01.1999 - 09.2007
- Specialized in various subprime underwriting programs
- Analyzed and approved large, unusual consumer mortgage loans
- Implemented innovative solutions for complex underwriting scenarios
- Enhanced compliance with industry standards in multi-state mortgage transactions
Skills
- Freddie Mac
- LPA
- FNMA
- DU
- Microsoft Office Suites
- Encompass
- Lender Processing Systems (LPS)
- Telesales
- Mortgage Builder
- GUS
- Customer service-focused
Personal Information
Title: DE / SAR Mortgage Underwriter
Timeline
Mortgage Underwriter
Network Funding LP
10.2024 - Current
Tax Officer 1
Louisiana Department of Revenue
07.2024 - 09.2024
Senior Mortgage Underwriter
Fidelity Bank
06.2012 - 02.2024
Mortgage Underwriter
GMFS
09.2011 - 05.2012
Fraud Analyst
IEM Inc
06.2011 - 08.2011
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
10.2010 - 05.2011
Analyst III
Hammerman & Gainer
05.2009 - 10.2010
Loan Reviewer/Underwriter II
ICF International/ The Road Home Program
09.2007 - 05.2009
Senior Mortgage Underwriter
Wells Fargo Home Mortgage
01.1999 - 09.2007
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