Melissa Jefferson
Kennesaw,GA
Summary
Dynamic mortgage underwriter with extensive experience, specializing in FHA, USDA, and conventional loans. Proficient in automated underwriting systems and fraud detection, I excel in ensuring compliance and accuracy. A skilled communicator, I effectively collaborate with teams to resolve complex loan scenarios, driving successful outcomes in high-pressure environments.
Overview
5
5
years of professional experience
Work History
Underwriter
SOUTHPOINT FINANCIAL SERVICE
Alpharetta, GA
06.2024 - 09.2025
- Overflow Underwrite for Conventional, FHA (DE 2005), and USDA – Rural Development. Review and analyze documents, including credit history reports, income and financial information, and property appraisals, to determine conditions for loan approval.
- Restructure for loan approvals.
- Manual underwrite on eligible products.
- Reviews Automated Underwriting System (AUS) findings for accuracy and completeness.
• Communicates with branch employees regarding questions, concerns, discussions, recommendations, and alternatives for solving difficult loans (including manual underwriting). - Review tax returns for employed SE borrowers and product requirements, including 1040/Schedule C, 1065, 1120, and profit and loss statements/balance sheets.
Assistant Property Manager
Asset Living
Austell, GA
09.2023 - 06.2024
- Maintaining the occupancy level through leasing activities such as client tours, preparation of leasing documents and compliance with company policies.
- Screening and approving qualified applicants with company policy. Run credit and background checks on clients, as well as collect fees and deposits.
- Reviewing move-ins and move-outs and completing required documentation in compliance with regulatory guidelines.
- Promote the properties in the local area through marketing, phone calls and email messages.
- Overseeing daily operations, maintenance and administration of various properties.
- Coordinate with the property manager on day-to-day operational tasks in overseeing and coordinating property maintenance and repair tasks
- Inspecting property on a regular basis to ensure any deficiencies or issues are addressed-
- Maintain accurate records of all correspondence with and from tenants.
Mortgage Underwriter
Vellum Mortgage
Fairfax, VA
07.2020 - 04.2022
- Conventional including High Balance and Jumbo Loans, FHA and VA SAR (023397)
- Underwrite, Evaluate and Ensure overall loan documents are accurate, complete and compliant; reviewing all financial statements, credit reports, applicable ratios (i.e. debt ratios, loan to value) and supporting documentation using an automated scoring system (Fannie Mae and Freddie Mac) to determine liability. Manual underwrites when required.
- Ensure documents are consistent and uphold company and industry guidelines. Implement fraud detection techniques, perform compliance reviews and assist in renegotiations of loan bases on lending and agency guidelines. Handle third party internal and external procedures. Ensure that exceptions are addressed on time and cured when required.
Skills
- Loan Safe
- Encompass/Calyx/Paperless systems
- Automated underwriting - LP/DU/Fannie/Freddie/GUS
- USDA Product Trainer
- Bond loans and MCC Credit
Languages
Spanish
Limited
Timeline
Underwriter
SOUTHPOINT FINANCIAL SERVICE
06.2024 - 09.2025
Assistant Property Manager
Asset Living
09.2023 - 06.2024
Mortgage Underwriter
Vellum Mortgage
07.2020 - 04.2022