Mercy Concepcion
Miami Lakes,Fl
Summary
Professional underwriter with significant experience in assessing and managing risk for mortgage loans. Strong analytical skills combined with deep understanding of credit policies and financial statements. Known for collaboration, adaptability, and consistently delivering results. Expertise in loan documentation, compliance requirements, and effective communication with stakeholders.
Overview
17
17
years of professional experience
Work History
DE and Conventional Underwriter
Right Start Mortgage LLC
01.2024 - Current
- Engaged in ongoing professional development opportunities related to underwriting standards, regulatory updates, and industry trends.
- Maintained comprehensive knowledge of conventional underwriting guidelines, keeping up-to-date with industry changes and regulatory requirements.
- Improved overall loan quality through meticulous attention to detail and adherence to underwriting guidelines.
- Enhanced loan application processing by efficiently reviewing and analyzing borrowers'' financial documents.
DE and Conventional Underwriter
AMCAP Mortgage/Gold Financial Services
06.2022 - 11.2023
- Currently Underwriting FHA and Conventional loans as a dedicated UW for the Florida branch
- Underwriting files with DPA programs including Florida Housing Hometown Heroes
- Responsible for the initial Underwrite, clearing conditions and clearing loans to send to closing
DE and Conventional Underwriter
American Bancshares Mortgage
04.2014 - 06.2022
- DE Underwriter, Conventional, USDA, Jumbo Loans and Team Lead
- Responsible for underwriting loans and clearing conditions
- As Team Lead assisted the UW manager with 2nd level reviews
- Reviewed appraisals with CU scores over 2.5 and fraud reports with high alerts
- Also helped UW manager with audits and UW training
DE and Conventional Underwriter
Hamilton Group Funding
10.2012 - 02.2014
- DE Underwriter, Conventional
- Met goals set up by management
- Provided great customer support to all partners
- Kept up with UW guidelines for both investors and agencies
DE and Conventional Underwriter
WCS Lending Wholesale
03.2010 - 10.2012
- Underwrote both FHA and conventional loans for both wholesale and retail
- Met weekly goals set up by management and provided great service to our wholesale and retail customers
DE and Conventional Underwriter
Flagstar Bank (HFN Site)
08.2007 - 01.2010
- Underwrote FHA and Conventional loans
- Provided the highest level of service for our clients
- Working on site with the clients
- Completing initial underwrite, clearing conditions and getting loan into closing
- Also helped in any post closing conditions
Education
Miami Dade Community College and St Thomas Univeristy
Skills
- Encompass
- Collateral Underwriter
- Early Check
- Loan Prospector
- FHA connection
- Calx Point
Skills
Encompass, LP, DU, Early check, Fraud Guard, Fl Home Town Heroes DPA
Timeline
DE and Conventional Underwriter
Right Start Mortgage LLC
01.2024 - Current
DE and Conventional Underwriter
AMCAP Mortgage/Gold Financial Services
06.2022 - 11.2023
DE and Conventional Underwriter
American Bancshares Mortgage
04.2014 - 06.2022
DE and Conventional Underwriter
Hamilton Group Funding
10.2012 - 02.2014
DE and Conventional Underwriter
WCS Lending Wholesale
03.2010 - 10.2012
DE and Conventional Underwriter
Flagstar Bank (HFN Site)
08.2007 - 01.2010
Miami Dade Community College and St Thomas Univeristy
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