ACES
Misty Rutherford
Mortgage Underwriter
Hayesville,NC
Summary
Detailed Mortgage QC Underwriter with expertise in data-driven decision making and a history of exceeding performance metrics in the financial services industry. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Additional experience in finance with a successful career managing risk, performing due diligence, leading projects and handling time-sensitive, complex transactions. Exceptional organizational, project management and leadership skills.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Due Diligence Underwriter | Mortgage Servicing QC
Phoenix TMA
Denver , CO
05.2017 - Current
- Maintain 100% SLA compliancy while conducting comprehensive QC underwriting analysis of all relevant loan documentation, with specific focus on TRID timing retirements and standards, ensuring adherence to compliance regulations.
- Achieving top 10% of loan production while exceeding quality metrics for loan reviews, analyzing all required information and documentation by reviewing loan applications, credit and income documentation, Automated Underwriting System (AUS) findings, title reports, appraisals, and all relevant compliance documents.
- Ensure loss mitigation activities performed by loan servicer comply with required standards and timeframes and that clients are adhering to mortgage servicing procedures and regulations.
FNMA QC Underwriter | Senior Loan Review Analyst
Digital Risk, LLC.
Maitland, FL
06.2022 - 06.2023
- Achieved less than 1% error rating within first 3 months, consistently delivering top-quality underwriting analysis.
- Perform deep-dive reviews of recently closed mortgage loans evaluating credit reports, assessing income, assets, appraisal, purchase contracts, and title reports. Ensure that borrowers' capacity meets credit policies, company overlays, and investor agency guidelines.
- Identify and document major and minor deficiencies including misrepresentation of occupancy, citing applicable errors, providing comprehensive written analysis.
- Communicate feedback to business clients allowing them to make more informed decisions, mitigate risks, and enhance operational efficiency by identifying trends with underlying business practices, underwriting, and fraud exposure.
QC Compliance Auditor
Stewart Lender Services
Farmington Hills, MI
10.2016 - 05.2017
- Selected as Subject Matter Expert (SME) displaying keen ability to recognize and nurture strengths of co-workers resulting in higher quality scores with Increased loan production by 15%.
- Performed comprehensive post-closing quality control audits of recently closed mortgage loan files to ensure compliance with investor/insurer guidelines (FHLMC, FNMA, FHA, VA, USDA).
- Conduct data analysis, reviewing applicable documentation including required initial disclosures, Loan Estimates, Closing Disclosures, and Changed Circumstances for timing and tolerance variances confirming that loans adhere to all TRID compliance standards.
- Adhere to all federal and state compliance guidelines relative to retail mortgage lending.
- Identify problem areas within loan portfolio, analyzing risks that indicate potential for fraud and suggest appropriate solutions.
QC Underwriter | Senior Analyst | Loan Processor
Digital Risk, LLC.
Maitland, FL
10.2012 - 03.2016
- Produced top quality scores while managing active pipeline of 50 loans while exceeding monthly closing goals.
- Perform in-depth forensic underwriting review of performing and non-performing loans.
- Evaluate DTI ratios, LTV ratios, credit scores, appraisals, and various other factors to ensure accuracy of underwriting loan packages.
- Work with third-party vendors to address and clear loan requirements.
- Submit completed loan files, including recommendations for underwriting approval or denial.
- Convey acceptance or rejection to customers by mail, telephone or in person.
Education
Some College (No Degree) - Accounting And Business Management
Northwestern University
Evanston, ILSome College (No Degree) - Accounting And Business Management
Washtenaw Community College
Ann Arbor, MISkills
- Extensive knowledge for Conventional and FHA guidelines / intermediate knowledge for VA and USDA guidelines
- Analytical and critical thinking
- Time management and prioritization
- Strong attention to detail
- Excellent communication
- Sound reasoning and logic
- Risk assessment and mitigation
- Customer satisfaction and retention
- Relationship management with lenders and financial institutions
- Leadership through training and mentoring fellow team members
- Adaptability to industry changes and trends
Certification
- Business Writing
- Leadership
Additional Information
www.linkedin.com/in/mistyrutherford/
Software
Scienna
ComplianceEase
Mavent
Desktop Underwriter
Loan Product Advisor
LexisNexis
Blueprint Income Xpert
MS Office
Timeline
FNMA QC Underwriter | Senior Loan Review Analyst
Digital Risk, LLC.
06.2022 - 06.2023
Due Diligence Underwriter | Mortgage Servicing QC
Phoenix TMA
05.2017 - Current
QC Compliance Auditor
Stewart Lender Services
10.2016 - 05.2017
QC Underwriter | Senior Analyst | Loan Processor
Digital Risk, LLC.
10.2012 - 03.2016
Some College (No Degree) - Accounting And Business Management
Northwestern University
Some College (No Degree) - Accounting And Business Management
Washtenaw Community College
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