Nancy Cantrell
Grand Prairie
Summary
Professional underwriter with comprehensive knowledge in risk assessment, policy development, and client relationship management. Proven track record in delivering high-quality results through collaborative efforts and adaptability to changing market conditions. Strong analytical skills, attention to detail, and strategic approach drive impactful decisions and foster team success.
Overview
23
23
years of professional experience
Work History
Sr. Underwriter
Parkstone Mortgge, LLC
Austin, TX
07.2026 - Current
- Sole underwriter for most successful sales team in Texas region.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Maintained strong relationships with brokers, facilitating open communication channels and improving overall business collaboration.
Sr. Underwriter
First Continental
Houston, TX
04.2026 - 06.2026
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Maintained strong relationships with brokers, facilitating open communication channels and improving overall business collaboration.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Underwriter
Gateway Mortgage
Dallas, TX
04.2019 - 03.2026
- Documented underwriting decisions, ensuring compliance with applicable regulations to mitigate risk.
- Recommended approvals and denials by accurately assessing risk levels based on comprehensive analysis.
- Made approval and denial recommendations by determining accurate risk levels.
- Ascertained application viability by verifying collateral values, title reports and appraisals.
- Determined and documented loan conditions and communicated requirements and decisions.
- Verified collateral values, title reports, and appraisals to ascertain application viability.
Regional Underwriting Manager
Gateway Mortgage
10.2021 - 01.2023
- Led and inspired employees to enhance productivity and engagement.
- Accomplished multiple tasks within established timeframes. Including overseeing any escalations which involved all agencies FHA, Conventional, USDA, VA, and bond programs.
- Cross-trained employees to improve team agility and responsiveness.
- Established team priorities, maintained SLA'S and monitored performance.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Cross-trained existing employees to maximize team agility and performance.
- Organized and oversaw assignments to achieve operational excellence.
Sr. Loan Officer
Brazos National Bank
Dallas, TX
01.2019 - 04.2019
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Cultivated partnerships with local real estate agents to facilitate loan referrals and enhance client service.
- Collaborated with other departments to promptly process loan applications.
- Guided customers in comprehending loan terms and conditions, enabling informed decision-making.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers. Reviewed appraisals and was able to relay to client.
- Developed and maintained relationships with local real estate agents.
- Evaluated loan products and potential risks to recommend suitable options for clients, effectively communicating appraisal results.
- Researched and updated industry knowledge on changing legislation and regulations.
Sales Coordinator II, Jr. Underwriter
Pacific Union Financial
Farmers Branch, TX
01.2013 - 02.2018
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Developed systems for tracking loan documents, improving accuracy and efficiency.
- Developed strong relationships with customers through high levels of customer service.
- Maintained high customer satisfaction by proactively addressing needs and resolving concerns.
- Met customer call guidelines for service levels, handle time and productivity.
- Followed up with customers about resolved issues to maintain high standards of customer service.
- Reviewed provided conditions to confirm satisfactory status before clearing.
- Responsible for ordering mortgage insurance certificates, facilitated closings and fundings with current turn times.
Loan Officer Assistant and Loan Processor
Array Capital
Dallas, TX
03.2008 - 01.2013
- Requested information daily from customers and facilitated completion of necessary paperwork.
- Organized and categorized files for efficient access. and submitted on-time for processing. Reviewed all documentation received including all appraisals.
- Set up files and submitted for processing on time; reviewed all received documentation including appraisals for accuracy.
- Answered inquiries and provided superior customer service to clients.
- Built and maintained relationships with clients, realtors, and title/escrow officers to enhance customer engagement and support business growth.
Office Manager
Texas United Mortgage
Grand Prairie, TX
10.2003 - 03.2008
- Coached new hires on company processes and managed loan originators and processors to maximize production.
- Handled escalations and maintained positive customer relations by proactively addressing problems and implementing effective solutions.
- Organized and oversaw assignments to enhance operational excellence.
- Assisted in organizing and overseeing assignments to drive operational excellence.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
Education
Diploma -
Nimitz High School
Irvingbasics
Mountain View College
Dallascontinuing education
North Lake College
Irving, TXSkills
- Underwriting expertise
- Freddie and Fannie compliance
- Risk Assessment
- Desktop Underwriter
- Loan approval
- Application Reviews
- Client Relationship Building
- Underwriting Metrics
- Property Appraisals
- Appraisal Verification
- Government Standards
- Quality Assurance
- NOI formulation
- Borrower Communication
- Managing Multiple Priorities
- Time Management
- Production Goals
- Underwriting knowledge
- Customer satisfaction
- Review Histories
- Regulatory Compliance
- Underwriting Understanding
Languages
Spanish
Native or Bilingual
Timeline
Sr. Underwriter
Parkstone Mortgge, LLC
07.2026 - Current
Sr. Underwriter
First Continental
04.2026 - 06.2026
Regional Underwriting Manager
Gateway Mortgage
10.2021 - 01.2023
Underwriter
Gateway Mortgage
04.2019 - 03.2026
Sr. Loan Officer
Brazos National Bank
01.2019 - 04.2019
Sales Coordinator II, Jr. Underwriter
Pacific Union Financial
01.2013 - 02.2018
Loan Officer Assistant and Loan Processor
Array Capital
03.2008 - 01.2013
Office Manager
Texas United Mortgage
10.2003 - 03.2008
basics
Mountain View College
continuing education
North Lake College
Diploma -
Nimitz High School