MYLU LLADO
South Pasadena,CA
Overview
15
15
years of professional experience
1
1
Certification
Work History
Sr Mortgage Underwriter
Contract Underwriter
05.2024 - Current
- 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 from submission to funding
Mortgage Underwriter
The Lender
08.2023 - 02.2024
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- 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.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
Contract Mortgage Underwriter
Assured Funding (Burbank) Cal Eagle Mtg (Glendale)
04.2022 - 07.2023
- Developed lending recommendations based on comprehensive analysis of borrower''s overall financial picture and risk factors associated with each specific loan product
- Managed a diverse portfolio of mortgage products, demonstrating versatility and adaptability within the role.
Sr. Mortgage Underwriter
Nations Direct Mortgage
06.2020 - 03.2022
- 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 HUD and FNMA
- Reduced loan processing time by implementing efficient underwriting practices and effectively collaborating with loan officers.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status
- Fostered a positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
- Managed a diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
Senior Mortgage Underwriter
First Guaranteed Mortgage Company
08.2019 - 04.2020
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards
- Sole underwriter for most successful sales team in Northeast region.
- Verified integrity of applicants' information to minimize fraud.
- Reviewed Non QM loans to make accurate decisions by accounting for risk, hazards, and exposure.
Senior Underwriter/Office Manager
American Financial Services
09.2016 - 08.2019
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- St
- Collaborated with sales teams to develop tailored reamlined underwriting processes for increased efficiency and faster turnaround times.insurance solutions for clients, resulting in higher customer satisfaction rates.
- Enhanced pricing models through careful evaluation of risk factors, leading to more accurate premium calculations.
- Provided expert advice on policy wording and endorsements, ensuring clarity in documentation for both clients and staff members.
Senior Mortgage Underwriter
Paramount Residential Mortgage Group
06.2014 - 04.2015
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Senior Mortgage Underwriter
Penny Mac Mortgage
10.2013 - 05.2014
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- 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.
Senior Mortgage Underwriter
Prospect Mortgage
09.2009 - 08.2013
- 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 a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly
Education
Bachelor of Science - Business Administration And Management
St Scholastica's College
Manila, PhilippinesParalegal Studies
University of San Francisco
San Francisco, CASkills
- Thorough Knowledge of FNMA, FHA and Non QM Guidelines
- Strong record of generating new clients and business
- 30 years Mortgage industry knowledge
- History of exceeding revenue goals through outstanding customer service
- Ability to identify legal issues based on six years legal experience
- Strong Oral and Written Comprehension
Accomplishments
Received Top 5 Account Executive National Sales Award (2006)
Received Several Underwriting MVP awards (2009-2013)
Certification
- Licensed - Real Estate Salesperson 1988 & 2018
- Earned NMLS License - 2018
- FHA Direct Endorsement 2013
- Core Power Yoga Training 2019
Timeline
Sr Mortgage Underwriter
Contract Underwriter
05.2024 - Current
Mortgage Underwriter
The Lender
08.2023 - 02.2024
Contract Mortgage Underwriter
Assured Funding (Burbank) Cal Eagle Mtg (Glendale)
04.2022 - 07.2023
Sr. Mortgage Underwriter
Nations Direct Mortgage
06.2020 - 03.2022
Senior Mortgage Underwriter
First Guaranteed Mortgage Company
08.2019 - 04.2020
Senior Underwriter/Office Manager
American Financial Services
09.2016 - 08.2019
Senior Mortgage Underwriter
Paramount Residential Mortgage Group
06.2014 - 04.2015
Senior Mortgage Underwriter
Penny Mac Mortgage
10.2013 - 05.2014
Senior Mortgage Underwriter
Prospect Mortgage
09.2009 - 08.2013
Bachelor of Science - Business Administration And Management
St Scholastica's College
Paralegal Studies
University of San Francisco
- Licensed - Real Estate Salesperson 1988 & 2018
- Earned NMLS License - 2018
- FHA Direct Endorsement 2013
- Core Power Yoga Training 2019