Summary
Overview
Work History
Skills
Certification
Education
Timeline
Generic

Mona Morouse

Mortgage Underwriter

Summary

Senior Mortgage Underwriter experienced in partnering with processing and sales to achieve business goals while ensuring sound, supported underwriting decisions. Over 20 years of experience in VA, FHA and Conventional underwriting.

Overview

20
20
years of professional experience
2
2
Certification

Work History

QC Auditor

Independent Contractor
Remote
02.2023 - Current

VA LAPP/SAR UNDERWRITER

Mortgage Solutions of Colorado
Remote
02.2022 - 10.2022
  • VA purchase and refinance transactions
  • Review appraisals for issuance of VA Notice of Value

VA LAPP/SAR / FHA DE UNDERWRITER

The Federal Savings Bank
Remote
06.2019 - 09.2021
  • Verified integrity of applicants' information to minimize fraud.
  • Maintained mortgage program compliance with federal agencies such as VA and HUD
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Reviewed VA appraisal for issuance of Notice of Value

FHA/VA SAR Underwriter

SUCCESS MORTGAGE PARTNERS
Remote
06.2018 - 06.2019
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with the VA and FHA

Senior VA/FHA Underwriter

Peoples Home
Remote
01.2009 - 12.2017
  • VA SAR/ FHA Direct Endorsement/ Conforming/ USDA
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA

Senior Government Underwriter

Flagstar Bank
Troy, MI
01.2007 - 12.2009
  • FHA Direct Endorsement and VA credit Underwriter
  • This position required a strong governmentunderwriting background and the ability to make sound decisions based on risk and reasoning whilesupporting credit and property standards within FHA and VA credit standards.

Skills

  • Property Appraisal Review
  • Fraud Detection Techniques
  • Government Lending
  • Demographics Information
  • Analysis and Evaluation
  • Loan Product Knowledge
  • Loan Restructuring
  • Pipeline Management
  • Desktop Underwriter
  • Government Standards

Certification

Underwriting (20+ years) FHA/VA/CONVENTIONAL

Internal audits (20+ years)

Credit Analysis (20+ years)

Certifications and Licenses:

  • FHA DIRECT ENDORSEMENT UNDERWRITER
  • VA LAPP/SAR

Education

Creative Writing

Oakland Community College
Bloomfield Hills, MI

Timeline

QC Auditor

Independent Contractor
02.2023 - Current

VA LAPP/SAR UNDERWRITER

Mortgage Solutions of Colorado
02.2022 - 10.2022

VA LAPP/SAR / FHA DE UNDERWRITER

The Federal Savings Bank
06.2019 - 09.2021

FHA/VA SAR Underwriter

SUCCESS MORTGAGE PARTNERS
06.2018 - 06.2019

Senior VA/FHA Underwriter

Peoples Home
01.2009 - 12.2017

Senior Government Underwriter

Flagstar Bank
01.2007 - 12.2009

Creative Writing

Oakland Community College

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Mona MorouseMortgage Underwriter