Melanie Eady-Tuohy
Essex,MD
Summary
Dependable Mortgage Underwriter experienced in evaluating borrower credit, income, assets, and collateral to ensure compliance with agency and investor guidelines. Achieved enhanced file accuracy through mentoring staff on underwriting policies and conducting quality control reviews. Focused on leveraging organizational skills and team collaboration to drive company success.
Overview
35
35
years of professional experience
Work History
Sr Mortgage Underwriter
Kind Lending
04.2025 - 10.2026
- Reviewed Kind Lending mortgage files for agency and investor guideline compliance.
- Evaluated borrower credit, income, assets, and collateral for underwriting decisions.
- Applied DU and LP findings to residential loan applications.
- Underwrote FHA mortgage loans using DE authority and investor guidelines.
- Evaluated appraisals, property conditions, and title documentation for compliance.
- Applied FHA, HUD, and lender standards during loan decisions.
- Communicated conditions and findings with loan officers and processors.
- Documented underwriting rationale and file exceptions for mortgage reviews.
- Resolved loan defects through detailed analysis of supporting documents.
- Mentored staff on FHA guidelines, underwriting policies, and file quality.
- Researched complex situations involving multiple layers of financing options when necessary.
- Determined the eligibility of mortgage applications based on government lending regulations and internal policies.
- Reviewed and analyzed loan documents such as credit reports, income documents, appraisals, title reports, and other related items to determine compliance with FHA guidelines.
- Prepared detailed written decisions summarizing loan analysis results in accordance with established procedures.
- Maintained accurate records and documentation pertaining to all transactions processed in accordance with departmental procedures and regulatory requirements.
- Evaluated the borrower's ability to repay their loan by analyzing their current debt-to-income ratio.
- Collaborated closely with processors and loan officers throughout the entire transaction cycle ensuring all required documentation was received timely.
- Monitored industry trends and changes in lending guidelines including identifying areas where additional guidance is needed.
- Developed a thorough understanding of federal regulations pertaining to fair housing practices and anti-discrimination laws.
- Provided professional customer service by responding promptly to inquiries from customers, lenders, brokers and other third parties regarding status of loan applications or other issues related to underwriting process.
- Participated in meetings with lenders, brokers, and customers to address questions or concerns about the underwriting process.
- Identified potential problem loans through an early detection system software program used by the company.
- Verified the accuracy of data entered into automated underwriting systems to ensure compliance with FHA standards.
- Analyzed financial information of borrowers to ensure that they qualify for FHA loans.
- Ensured that all loans were processed within established deadlines according to timelines set forth by the management team.
- Assisted in training new staff members on applicable laws and regulations governing the underwriting process.
- Applied knowledge of various mortgage products offered by company including Conventional, FHA, VA and USDA programs.
- Conducted quality control reviews of completed files to ensure accuracy and completeness of documentation prior to submission for final approval.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Reviewed titles and appraisals to validate properties that meet insurer and guarantor guidelines.
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Maintained compliance with company and regulatory policies.
- Determined loan eligibility and approved or rejected applications.
- Requested additional information for applications and documents when necessary.
- Reviewed loans to ensure compliance with portfolio and investor guidelines.
- Underwrote conventional mortgage files for lender compliance and investor guidelines.
- Interpreted loan conditions, underwriting exceptions, and compensating factors for approval decisions.
- Collaborated with processors, loan officers, and closers throughout mortgage file review.
- Evaluated appraisal reports, title findings, and underwriting risk factors for conventional loans.
- Applied agency guidelines and lender overlays to complex mortgage applications.
- Documented underwriting decisions and conditions within loan origination systems.
- Trained staff on conventional mortgage standards, documentation, and quality expectations.
- Communicated decisions regarding loan approval or denial in a timely manner to all parties involved in the transaction.
- Regularly updated knowledge of federal regulations related to residential lending practices such as TRID, RESPA, HMDA.
- Analyzed financial information such as income, assets, liabilities, and credit history to assess the risk associated with a given loan.
- Maintained accurate records of all underwriting activities including approvals, denials, conditions.
- Monitored portfolio performance by tracking delinquency rates and identifying trends in early payment defaults.
- Interpreted underwriting guidelines from government agencies and private lenders.
- Collaborated with processing staff to ensure that all documentation was properly completed prior to closing.
- Provided detailed explanations of underwriting decisions both verbally and in writing when necessary.
- Calculated debt-to-income ratios and other relevant metrics to ensure compliance with regulatory guidelines.
- Advised brokers on best practices when submitting loan applications for review.
- Developed relationships with external vendors such as appraisers and title companies.
- Conducted quality control reviews on approved mortgages prior to closing.
- Evaluated appraisals and property surveys to verify collateral value of properties securing loans.
- Determined whether or not borrowers qualified for specific loan programs based on their individual circumstances.
- Resolved customer inquiries related to underwriting decisions professionally.
Sr Mortgage Underwriter
Flagstar Bank
06.2019 - 04.2025
- Evaluated borrower credit, income, assets, and collateral for underwriting decisions.
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Determined the eligibility of mortgage applications based on government lending regulations and internal policies.
- Underwrote FHA mortgage loans using DE authority and investor guidelines.
- Verified FHA, VA, conventional, and jumbo loan documentation for completeness.
- Applied DU and LP findings to residential loan applications.
- Clarified underwriting conditions with loan officers, processors, and closing teams to facilitate timely loan approvals.
- Resolved loan defects through detailed analysis of supporting documents.
- Communicated with applicants and internal team members to discuss identified conditions needed for approval.
- Mentored underwriting staff on file quality, guideline interpretation, and approval standards.
- Documented underwriting rationale and file exceptions for mortgage reviews.
- Prepared detailed reports on underwriting findings and recommendations.
- Conducted quality control reviews of completed files to ensure accuracy and completeness of documentation prior to submission for final approval.
- Reviewed and analyzed loan documents such as credit reports, income documents, appraisals, title reports, and other related items to determine compliance with FHA guidelines.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer, or denial.
- Resolved file issues through careful review of explanations and supporting documents.
- Evaluated the borrower's ability to repay their loan by analyzing their current debt-to-income ratio.
- Applied FHA, HUD, and lender standards during loan decisions.
- Identified potential problem loans through an early detection system software program used by the company.
- Verified the accuracy of data entered into automated underwriting systems to ensure compliance with FHA standards.
- Participated in meetings with lenders, brokers, and customers to address questions or concerns about the underwriting process.
- Cultivated relationships with brokers and the real estate community by proactively providing updates on loan status.
- Provided professional customer service by responding promptly to inquiries from customers, lenders, brokers and other third parties regarding status of loan applications or other issues related to underwriting process.
- Identified areas where additional training was needed among junior underwriters and provided guidance accordingly.
- Researched complex situations involving multiple layers of financing options.
- Developed a thorough understanding of federal regulations pertaining to fair housing practices and anti-discrimination laws.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Ensured compliance of Flagstar Bank mortgage files with agency and investor guidelines through thorough review.
- Evaluated appraisals, property conditions, and title documentation for compliance.
- Performed pre-audit reviews of files prior to submission for review by auditors.
- Verified the accuracy of data entered into automated underwriting systems to ensure compliance with FHA standards.
- Analyzed financial information of borrowers to ensure that they qualify for FHA loans.
- Ensured that all loans were processed within established deadlines according to timelines set forth by the management team.
- Applied knowledge of various mortgage products offered by company including Conventional, FHA, VA and USDA programs.
- Performed pre-audit reviews of files prior to submission for review by auditors.
- Conducted quality control reviews of completed files to ensure accuracy and completeness of documentation prior to submission for final approval.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
DE & Conventional Underwriter
Citibank, Inc.
06.2012 - 09.2019
- Underwriting Loans (FHA, VA Streamlines, Conventional)
- Underwrote FHA mortgage loans using DE authority and investor guidelines.
- Trained new employees on loan processing procedures, enhancing team knowledge and efficiency.
- Reviewed borrower credit, income, assets, and liabilities for eligibility.
- Provided comprehensive support to ensure timely loan closures.
- Conditioned loan files for missing documents and policy exceptions.
- Applied conventional underwriting rules to complex income and asset profiles.
- Applied FHA, HUD, and lender standards during loan decisions.
- Evaluated appraisal reports, title records, and property details for file accuracy.
- Evaluated appraisals, property conditions, and title documentation for compliance.
- Communicated approval requirements with loan officers, processors, and operations teams.
- Documented underwriting rationale and file exceptions to support mortgage review processes.
- Resolved loan defects through detailed analysis of supporting documents.
- Maintained accurate records and documentation pertaining to all transactions processed in accordance with departmental procedures and regulatory requirements.
- Mentored staff on FHA guidelines and underwriting policies, improving file quality and compliance.
- Led special projects focused on implementing new loan programs and systems.
- Reviewed and analyzed loan documents such as credit reports, income documents, appraisals, title reports, and other related items to determine compliance with FHA guidelines.
- Prepared detailed written decisions summarizing loan analysis results in accordance with established procedures.
- Researched complex situations involving multiple layers of financing options.
- Collaborated directly with processors and loan officers to streamline loan processing.
- Researched complex financing options to provide solutions.
- Evaluated the borrower's ability to repay their loan by analyzing their current debt-to-income ratio.
- Collaborated closely with processors and loan officers throughout the entire transaction cycle ensuring all required documentation was received timely.
DE Mortgage Underwriter, Conventional/Jumbo Underwriter Level 5
Bank of America Home Loans (Formerly Countrywide Home Loans)
04.2008 - 06.2012
- Underwriting Loan Modifications (MHA, HAMP, FHA, Non Hamp, GSE, SFO, HFI, Defaults, Non Defaults, Imminent Defaults, Foreclosures, Forbearance, etc).
- Underwriting Loan Modifications (MHA, HAMP, FHA, Non Hamp, GSE, SFO, HFI, Defaults, Non Defaults, Imminent Defaults, Foreclosures, Forbearance, etc.)
- Specialized in Jumbo, MHA, Coops, Condo, Rural, DPA, Manufactured, all Government bond loans & any new program that was introduced was given to me for review..
- Finalized loan agreements for various types of mortgages, including FHA and VA, ensuring compliance with regulations. (Coops, VA, FHA, Conventional, Bond, etc.)
- Managed loan pipeline exceeding 50 loans monthly
- Crossed Trained in all aspects of the Mortgage Industry (Underwrite/Process/Close/etc.)
- Trained new underwriters, processors, and closers on coops, condos, rural loans, and bond procedures.
- Conducted quality control audits on loan files (pre & post), performed guideline research, and updated policy and procedures. Provided training to new and current employees on policy compliance.
- Processed, underwrote, and closed loans for multiple loan officers with large pipelines and specific products.
Secretary II
Baltimore County Public Schools (Old Court Middle School)
09.2007 - 04.2008
- Completed secretarial duties to enhance front office operations.
- Maintain all records for the school (updating) in the Stars System for Baltimore County
- Updated and organized all school records in the Stars System for Baltimore County. for the school (updating) in the Stars System for Baltimore County
- Acquired office supplies from vendors to ensure adequate inventory for staff needs. to ensure smooth operations and support school staff needs.
- Provided assistance to colleagues during the temporary layoff period.
Mortgage Underwriter Specialist
American Home Mortgage (Company Closed)
11.2003 - 08.2007
- Underwriting & Processing Mortgages (my loans stayed with me from beginning to end)
- Managed pipeline of 50+ loans per month, collaborating with multiple loan officers simultaneously
- Underwrote, processed, and closed loans within 5 business days as part of Fireteam
- Participated in the special project committee to enhance operational efficiency.
- Specialized in new loan products, trained new employees, Roll out of Policy & Procedures, new programs, Trained New Hires on Computer System, etc.
- Specialized in new loan products, trained new employees, and rolled out policies and procedures for new programs
- Facilitated loan origination process by assessing borrower qualifications and financial information.
- Completed tasks to ensure timely loan closures
- Performed various tasks to ensure timely loan closures and adherence to company processes. to ensure loans closed efficiently
SR. Mortgage Processor
Allied Home Mortgage(Loan Officer Closed Location)
10.2002 - 11.2003
- Processed and pre-underwrote loans before sending to the broker for approval, ensuring timely closure upon approval.
- Processed and pre-underwrote loans before sending to the broker for approval.
- Reviewed guidelines for multiple companies in the brokered context to ensure compliance and accuracy.
- Originated various loan types for clients seeking financing options., Meeting with borrowers, marketing
- Worked with realtors, appraiser, title companies
Senior Mortgage Processor
Citimortgage (Office Closed, Company moved to MI)
05.2000 - 10.2002
SR Processor, Jr Processor & Sales Assistant
Source One Mortgage(Citibank purchased our company)
06.1991 - 05.2000
- Processed loan applications efficiently - All types, (Ex.) FHA/VA/Conventional/203K, New Construction/ CDA, /Condo/Etc...
- Engaged in sales and marketing initiatives while originating loans to attract new clients.
- Assisted all Loan Officers, & Underwriters, locking loans, taking applications, gathering documents, clearing conditions, etc.
- Processed - All types, (Ex.) FHA/VA/Conventional/203K, New Construction/ CDA, /Condo/Etc…
- Performed various administrative tasks to support overall office operations and workflow.
Education
Kenwood High School
Essex, MDSkills
- FHA underwriting
- Loan underwriting expertise
- Underwriting software
- Automated underwriting
- Agency guidelines
- Regulatory compliance
- Processing protocols
- Conventional underwriting
- Mortgage regulations
- Compliance review
- Credit risk analysis
- Credit evaluation expertise
- Credit report interpretation
- Income verification
- Income evaluation
- Income accuracy
- Income calculation
- Bankruptcy Processess
- Policy compliance
- Loan documentation
- Loan evaluation
- Loan origination software
- Loan origination
- Loan decisioning
- Application analysis
- Asset verification
- Quality control
- Quality auditing
- Quality control reviews
- Collateral review
- Collateral evaluation
- Collateral valuation
- Collateral appraisal
- Appraisal review
- Appraisal expertise
- Property evaluation
- Property inspection
- Title examination
- Title examination proficiency
- Documentation review
- File audit
- File validation
- Document verification
- Compliance documentation
- Compliance review
- Regulatory review
- Guideline interpretation
- Policy compliance
- Policy adherence
- Fraud prevention
- Fraud prevention capabilities
- Risk assessment
- Risk analysis
- Financial risk assessment
- Debt analysis
- Loan restructuring
- Foreclosure prevention
- Bankruptcy Processes
- Asset statements
- Processing expertise
- Loan pipeline management
- Processing protocols
- Escrow account management
- Mortgage compliance
- Mortgage industry awareness
- Understanding of various mortgage products
- Relationship building
- Broker relationship management
- Effective communication
- Written communication
- Team collaboration
- Collaboration and teamwork
- Cross-functional collaboration
- Teamwork and collaboration
- Problem solving
- Problem-solving abilities
- Asset appraisal
- Strong decision-making
- Decision-making
- Analytical thinking
- Attention to detail
- Data interpretation
- Generating reports
- Report preparation
- Professionalism
- Professional demeanor
- Dependable execution
- Multitasking capacity
- Time management
- Task prioritization
- Deadline management
- Investigation assistance
- Testing procedures
- Software testing
- QC investigations
- DU LP findings
- AUS findings
- DU LP analysis
- Desktop underwriter
- Interview applicants
- Interviews
- Serve customer needs
- Support closings
- General mortgage associate
- Credit applications
- Credit reporting software
- Property appraisals
- Appraisal collection
- Loan preparation
- Closing review
- Closing coordination experience
- Mortgage docs
- Financial history review
- Employment verification
- Asset verification
- Asset appraisal
- Asset statements
- Income verification
- Tax compliance review
- Tax liability calculation
- Mortgage underwriting
- Mortgage regulations proficiency
- Strong communication skills
- Negotiation skills
- Professional development
- Mentoring skills
- Training skills
- Engagement experience
- Customer service skills
- Relationship management skills
- File organization
- Appraisal collection
- Appraisals
- Loan pipeline management
- Processing protocols
- Interviews
- Policy adherence
- Loan preparation
- Title examination
- Credit evaluation
- Information verification
- Generating reports
- Application review
- Desktop underwriter
- Support closings
- Interview applicants
- General mortgage associate
- Credit reporting software
- Dependable execution
- Credit applications
- Property appraisals
Qualifications
- ID Type: NMLS ID
- ID Number: 484041
Personal Information
- ID Type: NMLS ID
- ID Number: 484041
Timeline
Sr Mortgage Underwriter
Kind Lending
04.2025 - 10.2026
Sr Mortgage Underwriter
Flagstar Bank
06.2019 - 04.2025
DE & Conventional Underwriter
Citibank, Inc.
06.2012 - 09.2019
DE Mortgage Underwriter, Conventional/Jumbo Underwriter Level 5
Bank of America Home Loans (Formerly Countrywide Home Loans)
04.2008 - 06.2012
Secretary II
Baltimore County Public Schools (Old Court Middle School)
09.2007 - 04.2008
Mortgage Underwriter Specialist
American Home Mortgage (Company Closed)
11.2003 - 08.2007
SR. Mortgage Processor
Allied Home Mortgage(Loan Officer Closed Location)
10.2002 - 11.2003
Senior Mortgage Processor
Citimortgage (Office Closed, Company moved to MI)
05.2000 - 10.2002
SR Processor, Jr Processor & Sales Assistant
Source One Mortgage(Citibank purchased our company)
06.1991 - 05.2000
Kenwood High School