Mona Morouse
Senior Mortgage Underwriter
Pleasant Ridge,MI
Summary
Analytical Senior Underwriter with 20 years of experience steering applications through the approval process and industry changes over the years.
Skilled at reviewing documents and making accurate decisions. Bringing firm grasp of risk assessments, hazard recognition and acceptance criteria.
Overview
20
20
years of professional experience
2
2
Certifications
Work History
VA LAPP/SAR UNDERWRITER
Mortgage Solutions of Colorado
Remote, Remote
02.2022 - Current
- Underwrite VA purchase and refinance transactions
- Evaluate debt ratio, loan-to-value ratios, credit scores, property valuations and issuance of the VA Notice of Value
- Analyze credit, income, compliance, title documents and appraisals during underwriting process.
FHA / VA LAPP/SAR UNDERWRITER
The Federal Savings Bank
Remote, Remote
02.2019 - 11.2021
- 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.
FHA/USDA/VA LAPP/SAR UNDERWRITER
SUCCESS MORTGAGE PARTNERS
Plymouth, MI
06.2018 - 06.2019
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- 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 such as VA, HUD and Rural Housing
VA LAPP/ SAR / FHA DIRECT ENDORSEMENT UNDERWRITER
Peoples Home Lending
Remote, Remote
01.2009 - 12.2017
- 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.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
FHA DE / VA CREDIT UNDERWRITER
Flagstar Bank
Troy, MI
01.2006 - 12.2009
- FHA Direct Endorsement and VA credit Underwriter
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Maintained mortgage program compliance with the Bank, FHA and VA
Senior Underwriter
Aegis Wholesale
Troy, MI
01.2005 - 12.2007
- Underwrote FHA, conventional conforming and sub-prime loans following agency and investor guidelines
Education
Oakland Community College
Bloomfield Hills, MICertification
FHA Direct Endorsement
Accomplishments
Ability to evolve along with the changes in this ever changing field.
Timeline
VA LAPP/SAR UNDERWRITER
Mortgage Solutions of Colorado
02.2022 - Current
FHA / VA LAPP/SAR UNDERWRITER
The Federal Savings Bank
02.2019 - 11.2021
FHA/USDA/VA LAPP/SAR UNDERWRITER
SUCCESS MORTGAGE PARTNERS
06.2018 - 06.2019
VA LAPP/ SAR / FHA DIRECT ENDORSEMENT UNDERWRITER
Peoples Home Lending
01.2009 - 12.2017
FHA DE / VA CREDIT UNDERWRITER
Flagstar Bank
01.2006 - 12.2009
Senior Underwriter
Aegis Wholesale
01.2005 - 12.2007
Oakland Community College
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