Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Melissa Chobody

Lorain

Summary

Motivated professional eager to embrace new challenges. Demonstrates a strong work ethic and adaptability, with proven interpersonal skills. Capable of working independently and rapidly acquiring new competencies.

Overview

10
10
years of professional experience

Work History

Sr Mortgage Underwriter

CrossCountry Mortgage
Cleveland
04.2024 - Current
  • Possess DE authority for FHA loans and SAR/LAPP authority for VA loans.
  • Underwrote FHA, VA, and Conventional loans to meet established guidelines.
  • Reviewed credit, income, asset, and appraisal documentation for compliance with loan program standards.
  • Maintained service level agreement times and underwriting production guidelines as per company policy.
  • Reviewed appraisals to ensure accuracy and compliance with company standards.
  • Evaluated mortgage loan risk based on sound underwriting decisions.
  • Maintained compliance with company and regulatory policies.
  • Collaborated with loan originators and processors to correctly review and assess applications and risks.

Mortgage Underwriter IV/TeamLead

Nations Lending Corporation
remote
10.2021 - 09.2023
  • Holds DE authority for FHA loans and SAR/LAPP authority for VA loans.
  • Underwrote FHA, VA, and Conventional loans in compliance with guidelines.
  • Conducted due diligence reviews of loans prior to closing.
  • Analyzed financial documents to assess borrower repayment capability.
  • Evaluated loan applications to determine approval or denial based on established criteria.
  • Coached team members, providing guidance and constructive feedback.
  • Organized team meetings to address progress and challenges.
  • Collaborated with departments to enhance operational efficiency.
  • Managed remote teams effectively, using virtual communication tools to maintain engagement and productivity.
  • Delegated work assignments and prioritized tasks.

Sr Mortgage Underwriter

Citywide Home Loans
remote
07.2020 - 10.2021
  • Obtained DE authority for FHA loans and SAR/LAPP authority for VA loans.
  • Underwrote FHA, VA, Conventional, and Jumbo loans to ensure compliance with guidelines.
  • Reviewed credit, income, asset, and appraisal documentation for program adherence.
  • Maintained SLA times and underwriting production standards established by company.

Sr Mortgage Underwriter/Mentor

Nations Lending Corporation
remote
03.2015 - 07.2020
  • Possess DE authority for FHA loans and SAR/LAPP authority for VA loans.
  • Underwrote FHA, VA, Conventional, and Jumbo loans to meet program guidelines.
  • Reviewed credit, income, asset, and appraisal documentation for compliance with underwriting standards.
  • Maintained SLA times and adhered to production guidelines established by company.
  • Reviewed appraisals to ensure accuracy and compliance with company standards.
  • Assisted other departments with questions regarding underwriting guidelines or procedures.
  • Identified areas where additional training was needed among junior underwriters and provided guidance accordingly.
  • Maintained up-to-date records of mentor and mentee interactions in order to track progress over time.
  • Conducted regular one-on-one meetings with each mentee to discuss challenges, successes and goals.

Education

High School Diploma -

Keystone High School
Lagrange, OH
01-1990

Skills

  • FHA and VA underwriting
  • Conventional loan analysis
  • Risk assessment and management
  • Regulatory compliance
  • Appraisal review

References

Available upon request

Timeline

Sr Mortgage Underwriter

CrossCountry Mortgage
04.2024 - Current

Mortgage Underwriter IV/TeamLead

Nations Lending Corporation
10.2021 - 09.2023

Sr Mortgage Underwriter

Citywide Home Loans
07.2020 - 10.2021

Sr Mortgage Underwriter/Mentor

Nations Lending Corporation
03.2015 - 07.2020

High School Diploma -

Keystone High School

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