Mary Evelyn Siebert
Borden,Indiana
Summary
Highly motivated, goal driven Mortgage Professional with extensive background in underwriting of conventional and government loans. Underwriting Manager background with over 31 years of experience. Detail Oriented with strong communication skills having an emphasis on both quality and customer satisfaction.
Overview
19
19
years of professional experience
Work History
Regional Underwriting Manager
Guaranteed Rate
Chicago, IL
01.2022 - Current
- Developed team communications and information for meetings.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. For VA and FHA loan products.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Regional Underwriting Manager for VA East Nelson Team.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Underwriting Manager
Stearns Lending LLC
Lewisville, TX
07.2020 - 12.2021
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process to ensure loan meets investor and secondary market guidelines.
- Underwrote FHA, VA and conventional loans.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Identified issues, analyzed information and provided solutions to problems.
- Resolved conflicts and negotiated mutually beneficial agreements between parties.
- Developed team communications and information for meetings.
- Maintained energy and enthusiasm in fast-paced environment.
- Positions held: Senior Underwriter, Underwriting Manager for FHA, VA, Conventional and Jumbo teams.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Responsible for Loan Assignments and condition assignments and ensure meeting SLA turn times.
Underwriter IV
Cardinal Financial
Charlotte, NC
09.2019 - 07.2020
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process to ensure loan meets investor and secondary market guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Underwrote VA, FHA, USDA and conventional loans.
Senior Underwriter/Team Leader
Mr. Cooper FKA PACU
Farmers Branch, TX
04.2018 - 09.2019
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process to ensure loan meets investor and secondary market guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Underwrote VA, FHA, USDA and conventional loans.
- Set clear team goals and delegated tasks and set deadlines.
- Discovered training needs and provided coaching.
- Conducted team member meetings and updated members on best practices and continuing expectations.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Responsible for Loan Assignments and condition assignments and ensure meeting SLA turn times.
Senior Underwriter
DAS Acquisition/USA Mortgage
St Louis, MO
09.2016 - 03.2018
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process to ensure loan meets investor and secondary market guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Underwrote VA, FHA, USDA and conventional loans.
Senior Underwriter
First Harrison Bank
Corydon, IN
08.2014 - 09.2016
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process to ensure loan meets investor and secondary market guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Underwrote VA, FHA, USDA and conventional loans.
- Obtained the banks FHA DE Certification for local underwriting of FHA loans.
Conventional Correspondent Underwriter
Freedom Mortgage - Fishers
Mt Laurel , NJ
01.2014 - 08.2014
- Re-underwrote closed Conventional Loans in order to purchase the loans from brokers.
Direct Endorsement Underwriter
Bank Of America
Louisville, KY
11.2002 - 12.2013
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process to ensure loan meets investor and secondary market guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Underwrote VA, FHA, USDA and conventional loans.
- Conducted Senior SAR and training for 8 Underwriters so they could obtain their SAR Certification from VA.
- Back up for Underwriting Manager while Manager was out of the office.
Education
LAPP/SAR Approval And Credit Underwriter
VA
Indianapolis, IN01.2001
Direct Endorsement Underwriter
FHA
Atlanta, GA06.1994
Skills
- Dependable and Responsible
- Multitasking Abilities
- Excellent Communication
- Teamwork and Collaboration
- Decision Making
- Attention to Detail
- Teambuilding
- Extensive knowledge of secondary market guidelines to include: VA, FHA, USDA, FNMA and FHLMC
- Trained Processors and Loan Officers
- Analytical
- Senior SAR trainer for underwriters to obtain VA SAR Certification
Timeline
Regional Underwriting Manager
Guaranteed Rate
01.2022 - Current
Underwriting Manager
Stearns Lending LLC
07.2020 - 12.2021
Underwriter IV
Cardinal Financial
09.2019 - 07.2020
Senior Underwriter/Team Leader
Mr. Cooper FKA PACU
04.2018 - 09.2019
Senior Underwriter
DAS Acquisition/USA Mortgage
09.2016 - 03.2018
Senior Underwriter
First Harrison Bank
08.2014 - 09.2016
Conventional Correspondent Underwriter
Freedom Mortgage - Fishers
01.2014 - 08.2014
Direct Endorsement Underwriter
Bank Of America
11.2002 - 12.2013
LAPP/SAR Approval And Credit Underwriter
VA
Direct Endorsement Underwriter
FHA