Summary
Overview
Work History
Education
Skills
Timeline
Generic

Megan Sims

Dallas

Summary

Experienced Mortgage Operations and Credit Risk professional with 20 years in the mortgage lifecycle, specializing in loan origination, underwriting, credit analysis, and compliance. Expertise in evaluating borrower creditworthiness, assessing risk factors, and ensuring adherence to regulatory standards.

Overview

14
14
years of professional experience

Work History

Home Loan Specialist II

PennyMac
01.2025 - Current
  • Reviewed residential mortgage loan files, validated income, assets, employment, and credit documentation, cleared underwriting conditions, and ensured compliance prior to final approval.

Implementation Specialist

Bank of America
01.2025 - Current
  • Supported mortgage technology implementations, operational workflows, compliance processes, and cross-functional stakeholder collaboration.

Delinquency Coordinator

Associa
01.2024 - Current
  • Managed delinquency operations, onboarding activities, account resolution, and process improvement initiatives.

Loss Mitigation Specialist

Cenlar
01.2023 - 01.2024
  • Reviewed hardship packages, analyzed borrower financials, evaluated loan modification eligibility, and ensured regulatory compliance.

Loss Mitigation Specialist

Shellpoint Mortgage Servicing
01.2023 - 12.2023
  • Assisted borrowers with foreclosure alternatives and loss mitigation solutions.

Origination Underwriter III

Mphasis Digital Risk
01.2019 - 01.2022
  • Underwrote conventional, FHA, and VA loans; reviewed credit, income, assets, employment, collateral, and risk factors while ensuring investor compliance.

Due Diligence QC Underwriter

Opus Capital Markets Consultants
01.2019 - 12.2019
  • Performed quality control reviews, compliance audits, and loan defect identification.

Loss Mitigation Underwriter

JPMorgan Chase
01.2014 - 01.2018
  • Underwrote loan modifications, assessed borrower repayment ability, and issued compliant underwriting decisions.

Senior Underwriter / ILQA Specialist

Bank of America
01.2012 - 01.2013
  • Underwrote residential mortgages, conducted AML/KYC reviews, evaluated borrower eligibility to ensure compliance, and maintained audit readiness.

Education

Diploma -

Heritage Academy
Dallas, TX

Skills

  • Loan Origination
  • Mortgage Underwriting
  • Credit Risk Analysis
  • Credit Evaluation
  • Income analysis
  • Loss Mitigation
  • Mortgage Servicing
  • FHA
  • VA
  • FNMA
  • FHLMC
  • DU/LP
  • Encompass
  • Black Knight
  • Customer Advocacy

Timeline

Home Loan Specialist II

PennyMac
01.2025 - Current

Implementation Specialist

Bank of America
01.2025 - Current

Delinquency Coordinator

Associa
01.2024 - Current

Loss Mitigation Specialist

Cenlar
01.2023 - 01.2024

Loss Mitigation Specialist

Shellpoint Mortgage Servicing
01.2023 - 12.2023

Origination Underwriter III

Mphasis Digital Risk
01.2019 - 01.2022

Due Diligence QC Underwriter

Opus Capital Markets Consultants
01.2019 - 12.2019

Loss Mitigation Underwriter

JPMorgan Chase
01.2014 - 01.2018

Senior Underwriter / ILQA Specialist

Bank of America
01.2012 - 01.2013

Diploma -

Heritage Academy
Megan Sims