Encompass
Meg Goodspeed
Mortgage Underwriter
Chula Vista,CA
Summary
Self-driven, team player experienced in residential mortgage underwriting. Analytical thinker with problem solving skills. Proficient in MS Word, Excel, Encompass and H20. Adapt quickly and positively to a fast-paced changing lending environment and workflows.
Astute and methodical Mortgage Underwriter with significant background working with all residential property and borrower types, investor and non-investor. Proficient in reviewing extensive applications and supporting documentation. AUS and Manual underwriting including DSCR, Bank Statement, and Jumbo loans. Extensive appraisal and title review. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
10
10
years of professional experience
Work History
Non-QM Underwriter
Sprout Mortgage
San Diego, CA
02.2022 - 07.2022
- Manually review, underwrite and decision 4-6 Non-QM mortgages including DSCR, Bank Statement and Jumbo loans without AUS, based on company guidelines.
- Review and calculate investment income including complex tax returns, bank statements and DSCR to ensure company guidelines are met
- Extensive appraisal, title and credit report review to ensure property and credit worthiness is acceptable per guidelines
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Exceeded goals through effective task prioritization and great work ethic
Residential Underwriter
Caliber Home Loans
Coppell, TX
12.2020 - 10.2021
- Review loan files for completeness and accuracy while analyzing credit, financial, appraisal and title documents,
- Evaluated debt, loan-to-value ratios, credit score, property valuation, full appraisal underwrite
- Condition and final approve loan based on Fannie Mae and Freddie Mac guidelines
- Evaluate personal and business tax returns for self-employed borrowers to calculate income (Schedule C, S/Corporate, Partnerships and Rental income)
Mortgage Underwriter
G-Ten LLC
Chula Vista, CA
08.2018 - 11.2020
- Review, condition and decision loan files, analyze documents, including mortgage applications, credit reports, financial income documents, title, appraisals, and sales contracts
- Evaluate DTI, LTV, credit reports, tax certifications, title reports and appraisals.
- Evaluate and review complex tax returns for self-employed borrowers to calculate income
- Manual and AUS underwriting with sign off authority at $1MM
- Underwrite QM and Non-QM loan based on investor guidelines and company policies.
- Met 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
Rep Marketing Assistant
GUARDIAN TITLE
San Diego, CA
02.2017 - 08.2018
- Analyze chain of title to identify liens, judgments, trust deeds and other encumbrances and clouds and verify property tax information
- Gather data and prepare periodic reports, correspondence, and presentations
- Updated spreadsheets with statistical, financial and non-financial information.
- Provide exceptional customer service in communicating with over 30 Realtors, mortgage companies, and any other interested third party
- Led projects and analyzed data to identify opportunities for improvement
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
Credit Analyst
Metro Systems
Peoria, AZ
10.2011 - 01.2017
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Approved, declined or counter-offered loans up to $15,000.
- Analyzed applicant profiles and credit histories while reviewing loan approval contingencies to execute accurate and speedy pricing initiatives.
- Mitigated regulatory risks by ensuring all closing loans adhered to HMDA compliance and government guidelines.
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
Education
High school diploma / GED -
Maricopa Community Colleges - Glendale Community College
Glendale, AZ 01.2007 - 07.2007
Skills
Non-QM Markets
FNMA Guidelines
FHLMC Guidelines
Jumbo and Super Jumbo Loans
Residential Loans
Asset Statements
Attention to Detail
Excellent Communication
Analytical and Critical Thinking
MS Office
Critical Thinking
Self-employment income calculation
Software
H20
Timeline
Non-QM Underwriter
Sprout Mortgage
02.2022 - 07.2022
Residential Underwriter
Caliber Home Loans
12.2020 - 10.2021
Mortgage Underwriter
G-Ten LLC
08.2018 - 11.2020
Rep Marketing Assistant
GUARDIAN TITLE
02.2017 - 08.2018
Credit Analyst
Metro Systems
10.2011 - 01.2017
High school diploma / GED -
Maricopa Community Colleges - Glendale Community College
01.2007 - 07.2007