Marilyn Insley
Prairieville,USA
Summary
Mortgage Underwriter with extensive experience in credit analysis, income evaluation, and property assessment. Proven ability to ensure compliance with underwriting guidelines and regulatory standards while maintaining high levels of customer service. Expertise in loan origination, risk assessment, and financial analysis, with a track record of streamlining processes for improved efficiency.
Overview
27
27
years of professional experience
1
1
Certification
Work History
MORTGAGE UNDERWRITER
Network Funding LP
Prairieville, LA
09.2024 - Current
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate missing information for current applications.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, Freddie Mac 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.
TAX OFFICER 1
Louisiana Department of Revenue
Baton Rouge, LA
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 laws.
- Research and evaluate taxpayer information through various computer databases and financial records.
SENIOR MORTGAGE UNDERWRITER
Fidelity Bank
Baton Rouge, LA
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
Baton Rouge, LA
09.2011 - 05.2012
- Worked closely with Loan Officers and Processors to communicate missing information needed for approving loans.
- Maintained high-quality underwriting standards with meticulous attention to detail.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Underwrote Conventional and USDA loans in accordance with guidelines.
FRAUD ANALYST
IEM Inc
Baton Rouge, LA
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
Baton Rouge, LA
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
Baton Rouge, LA
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
Baton Rouge, LA
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
Baton Rouge, LA
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
- Customer service excellence
- Financial documentation review
- Regulatory compliance
- Risk analysis
- Eligibility determination
- Property evaluation
- Credit analysis and evaluation
- Attention to detail
- Decision-making skills
- Income and property assessment
- Team collaboration
- Reliability and dependability
- Adaptability and flexibility
- Underwriting guidelines expertise
Certification
- CHUMS IY36
- SAR 026704
References
Available upon request
References
References available upon request.
Timeline
MORTGAGE UNDERWRITER
Network Funding LP
09.2024 - 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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