NANCY BART
Pasadena,MD
Summary
Analytical Underwriter known for high productivity and efficient task completion. Possess specialized skills in risk assessment, financial analysis, and regulatory compliance. Excel at critical thinking, decision-making, and problem-solving to evaluate applications accurately and make informed decisions. Highly skilled Underwriter with broad experience in assessing risk, analyzing financial documents, and making informed decisions within the insurance industry. Demonstrate strong analytical skills, sound judgment, and attention to detail. Showcase significant contributions to previous employers by minimizing loss, identifying discrepancies, and ensuring compliance with industry regulations.
Overview
9
9
years of professional experience
Work History
Sr. Underwriter, DE and LAPP/SAR Certified
Geneva Financial LLC
Chandler, AZ
06.2024 - 11.2024
- Comprehensive understanding of industry standards and all loan programs.
- Assessed multiple property types through appraisal reviews.
- Facilitated restructuring to achieve approve/eligible status.
- Underwrote government loans manually, evaluating eligibility factors.
- Vastly experienced in reviewing personal and business tax returns, balance sheets, and P & L statements.
Sr Underwriter, DE and LAPP | SAR Certified
Village Capital & Investment LLC
Henderson, NV
04.2022 - 11.2024
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Developed strategies for minimizing losses due to credit defaults or delinquencies.
- Recommended adjustments to loan terms or conditions based on individual circumstances.
- Inspected financial statements, credit information and title data to complete underwriting process.
Sr Underwriter, DE and LAPP | SAR Certified
Homepoint
Ann Arbor, US
08.2020 - 04.2022
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Identified potential issues related to title, appraisals, insurance coverage.
- Issued clear written conditions for approval of mortgage loans.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Evaluated loans against portfolio and investor guidelines.
Sr Underwriter, DE and LAPP | SAR Certified
DAS Acquisition Company, LLC
St. Louis, US
08.2018 - 08.2020
- Utilized diverse data tools and processes to analyze, interpret and manage data.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Liaised with field, gathering information to base and defend underwriting decisions.
- Utilized underwriting software to determine loan risk and make approval decisions.
- Reviewed property appraisals to ensure accurate valuation and compliance with standards.
Underwriter, DE and LAPP | SAR Certified
Howard Bank
Timonium, US
05.2016 - 08.2018
- Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
- Reviewed appraisals to ensure accuracy and compliance with company standards.
- Researched any discrepancies between application information supplied by applicants versus third-party sources.
- Generated letters of denial or commitment based on approved and declined decisions.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
Skills
- Loan Risk Analysis
- Effective Issue Resolution
- Critical Thinking Abilities
- Creditworthiness assessment
- Financial Data Analysis
- Income Eligibility Assessment
- Property Risk Evaluation
- Microsoft Office Suite
- Encompass
- Calyx
- Mortgage loan software
- Desktop Underwriter
- Loan Prospector
Timeline
Sr. Underwriter, DE and LAPP/SAR Certified
Geneva Financial LLC
06.2024 - 11.2024
Sr Underwriter, DE and LAPP | SAR Certified
Village Capital & Investment LLC
04.2022 - 11.2024
Sr Underwriter, DE and LAPP | SAR Certified
Homepoint
08.2020 - 04.2022
Sr Underwriter, DE and LAPP | SAR Certified
DAS Acquisition Company, LLC
08.2018 - 08.2020
Underwriter, DE and LAPP | SAR Certified
Howard Bank
05.2016 - 08.2018
Similar Profiles
John ParrishJohn Parrish
Sr. Loan Officer at Geneva Financial LLCSr. Loan Officer at Geneva Financial LLC
Karen BryantKaren Bryant
Mortgage Banker at Geneva Financial LLCMortgage Banker at Geneva Financial LLC
Stacy CollinsStacy Collins
Mortgage Loan Processor at Geneva Financial LLCMortgage Loan Processor at Geneva Financial LLC
JEFFERSON OSORIOJEFFERSON OSORIO
Warehouse Associate at Cardinal HealthWarehouse Associate at Cardinal Health
Aiyana Green-OdleAiyana Green-Odle
Management Analyst GS-343-12 / Project Specialist at Food and Drug AdministrationManagement Analyst GS-343-12 / Project Specialist at Food and Drug Administration