Michele Houston
Indian Trail,NC
Summary
Direct Endorsement with CHUMS ID, Jumbo, USDA & Conventional Underwriter, with over 20 years of underwriting knowledge. Proven track record of delivering quality underwriting, while maintaining and exceeding production goals. Highly respected by colleagues and management. Known as the Underwriting who has the answers to many questions, while willingly assisting and training other underwriters daily.
Overview
15
15
years of professional experience
Work History
Mortgage Underwriter
Navy Federal Credit Union (Contractor)
2023.08 - Current
Underwrite Fixed rate and HELOC second lien mortgages according to conventional FNMA and Navy Federal Credit Union guidelines and procedures.
Unlimited credit authority delegation to approve, counter offer, suspend or decline loans.
Underwrite a minimum of 6 loans per day including clearing all conditions for closing.
Reduced processing time for mortgage applications through diligent management of underwriting tasks.
Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, income documents, appraisals, fraud reports and title commitment.
Maintaining high quality control audit rating each month while exceeding minimum underwriting requirements.
Solid decision making while maintaining a high approval rate based on 20 years of underwriting expertise.
Educate Processors on guidelines and procedures, as well as Underwriting peers.
Senior DE, Jumbo & Conventional Underwriter
Better.com
2021.03 - 2022.04
- Underwrote FHA, Jumbo & Conventional purchase and refinance loans.
- Determined credit risks by analyzing and calculating income, assets, credit and appraisals.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies.
- Communicated with Processors, Loan Officers and Applicants.
- Consistent month over month zero error rate.
Senior Jumbo, DE & Conventional Underwriter
Home Point Financial
2020.10 - 2021.03
- Underwrote FHA & Conventional loans.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Excellent Customer Service Skills
Senior FHA, USDA, JUMBO & Conventional Underwriter
Quicken Loans
2014.09 - 2020.07
- Underwrote Jumbo, FHA, USDA & Conventional purchases and refinances.
- Direct Endorsement Certification from HUD
- Reviewed complex loans for Borrower's with multiple streams of self-employment income and 10+ properties.
- Meticulous attention to detail in underwriting mortgages
- Top quality Underwriter while meeting production goals
- Assisted other Team Members with difficult loans
- Highly respected due to extensive underwriting background
- Excellent written and communication skills
Senior Mortgage Underwriter
Keller Mortgage
2019.11 - 2020.04
- Underwrote loans according to FNMA, FHLMC, FHA & USDA guidelines.
- Reviewed and cleared appraisals, income, asset and credit documents.
- Underwrote loans for self employed Borrowers with multiple streams of self employment income.
- Underwrote loans for Borrowers with multiple properties using rental income to qualify.
Mortgage Underwriter
Accenture Credit Services
2009.08 - 2014.04
- Underwrote loans according to FNMA and FHMLC Investor guidelines
- Full documentation, front line Underwriter with full credit review authority
- Approved delegation to review and clear all conditions related to credit, income, appraisals.
- Extensive knowledge with self employed Clients' with complex tax returns.
- Underwrote for CitiMortgage and Nationstar Mortgage accounts at Accenture
- Received underwriting quality awards multiple times
- Mentor for new underwriters and Team Mates
Education
High School Diploma -
Walton High School
Bronx, NY1988
Skills
- Mentor for Teammates
- Awards for quality underwriting
- Seasoned underwriter
- Experienced in Multiple products
- Expert on self employment income
- Recognized as extremely knowledgeable
Timeline
Mortgage Underwriter
Navy Federal Credit Union (Contractor)
2023.08 - Current
Senior DE, Jumbo & Conventional Underwriter
Better.com
2021.03 - 2022.04
Senior Jumbo, DE & Conventional Underwriter
Home Point Financial
2020.10 - 2021.03
Senior Mortgage Underwriter
Keller Mortgage
2019.11 - 2020.04
Senior FHA, USDA, JUMBO & Conventional Underwriter
Quicken Loans
2014.09 - 2020.07
Mortgage Underwriter
Accenture Credit Services
2009.08 - 2014.04
High School Diploma -
Walton High School
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