Melanie Ferrin
Grand Rapids,MN
Summary
Skilled Senior Underwriter specializing in FHA, VA, USDA, Conventional, Jumbo, Bond and Niche Products, offering more than 20 years of experience to growing organizations. Highly adept in underwriting moderate to complex policies. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Senior Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
9
9
years of professional experience
Work History
Senior Underwriter
U.S. Mortgage
05.2021 - 08.2023
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Senior Underwriter
Cross Country Mortgage
01.2018 - 05.2021
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Senior Underwriter
CMG Financial
02.2017 - 05.2018
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
Senior Underwriter
Citywide Home Loans
01.2015 - 02.2017
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Skills
- Jumbo and Super Jumbo Loans
- Credit Risk Assessment
- Tax Return Analysis
- Problem-Solving Abilities
- Customer Service Orientation
- Attention to Detail
- Fraud Detection Abilities
- Underwriting Software Familiarity
- Strong Decision-Making
- Appraisal Review Expertise
Youtube Channel focused on teaching First Time Home Buyers about the mortgage process.
I have recently started a Youtube channel targeting first time home buyers. My goal is to take the mystery out of the home buying process by giving people the knowledge to understand what is needed and the confidence to know when they are ready to buy a home.
Timeline
Senior Underwriter
U.S. Mortgage
05.2021 - 08.2023
Senior Underwriter
Cross Country Mortgage
01.2018 - 05.2021
Senior Underwriter
CMG Financial
02.2017 - 05.2018
Senior Underwriter
Citywide Home Loans
01.2015 - 02.2017