NATASHA CATTENHEAD
Midland,NC
Summary
Dynamic mortgage professional seeking a role that leverages strong leadership, organizational, motivational, decision-making, and analytical skills. Committed to maximizing potential while fostering personal growth and career advancement. Passionate about inspiring and guiding teams to achieve high-quality production and success. Dedicated to empowering colleagues to contribute effectively, ultimately enhancing the overall success of the organization.
Overview
19
19
years of professional experience
Work History
DE Mortgage Underwriter - FHA (REMOTE)
Merchants Bank of Indiana
08.2020 - 01.2026
- Conducted comprehensive risk assessments for loan approvals, ensuring alignment with regulatory and company standards
- Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process
- Collaborated with loan officers to clarify application details, enhancing accuracy of initial submissions
- Reviewed appraisals and title documents to verify accuracy and completeness
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents
- Enhanced loan application accuracy by meticulously reviewing financial documents and identifying inconsistencies
- Maintained mortgage program compliance with federal agencies such as FHA/HUD, FNMA, and FHLMC
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases
- Monitored pipelines to track and log status of loans, managing 3-4 Initial UW Review decisions and a minimum of 7-10 resubmissions/conditions daily
Forensic Underwriter (REMOTE)
The Oakleaf Group, LLC
08.2019 - 01.2020
- Performed quality control audits on approved loans to ensure compliance with regulatory requirements and prevent future fraud occurrences
- Reviewed submitted loan file data and documents for adherence to lender policies or review scope
- Performed focused analysis of credit, income, assets, & collateral
- Documented rationale for credit and collateral decisions
- Identified Breaches that resulted in defects within batches of closed mortgage loans
- Effectively managed time and organizational skills to prioritize multiple objectives and achieve volume and quality goals
- Enhanced fraud detection by meticulously reviewing loan files and identifying breaches and discrepancies in documentation
- Enhanced communication within the team by regularly sharing findings from forensic investigations with colleagues and supervisors
- Strengthened internal controls through thorough reviews of processes, procedures, and policies related to underwriting
- Maintained up-to-date knowledge of industry trends, regulatory changes, and emerging fraud schemes through regular research activities
- Consistently met the daily performance of 13 or more forensic audits daily
Data Compliance Underwriter (REMOTE)
Clayton Holdings
07.2018 - 08.2019
- Performed Post-Closing audits of mortgage loan files to confirm adherence to TRID regulation requirements
- Utilized EClas/BClas business databases to document findings discovered throughout audit reviews
- Evaluated complex cases involving multiple regulatory factors, crafting detailed reports outlining recommendations for action based on an in-depth analysis of risks involved
- Contributed to team success by consistently meeting or exceeding performance metrics related to productivity, quality, and customer satisfaction
- Addressed any discrepancies found during audit reviews by working closely with auditors to devise corrective action plans aimed at strengthening operational procedures moving forward
Forensic Underwriter (REMOTE)
The Oakleaf Group
03.2018 - 06.2018
- Reviewed submitted loan file data and documents for adherence to lender policies or review scope
- Determined applicant credit-worthiness by assessing financial situation & possible risk of default
- Performed analysis of credit, income, assets, & collateral
- Validated income including personal and business tax forms
- Identified misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation and transactions
- Analyzed Lender Guidelines to ensure transactions met lender requirements and did not breach overlays
- Documented rationale for credit and collateral decisions
- Drafted breaches to flag defects identified during reviews and audits
- Effectively managed time and organizational skills to prioritize multiple objectives and achieve volume and quality goals
- Ensured thoroughness of investigations by utilizing various tools, databases, and resources for comprehensive background checks on loan applicants
- Worked independently with minimal supervision while meeting required deadlines, often exceeding performance metrics standards
Senior Loan Underwriter (REMOTE)
Union Home Mortgage
01.2017 - 09.2017
- Reviewed loans for initial and final approvals
- Reviewed credit, income, asset, title, and collateral documentation
- Added required conditions needed in order to provide final loan approval
- Underwrote loans for both Fannie Mae (DU Loans) & Freddie Mac (LP Loans)
- Used Encompass for all underwriting decisions and documenting
- Issued declination and counteroffer letters to borrowers
- Worked closely with Broker Coordinators to communicate required outstanding documentation
- Communicated daily with brokers regarding loan status and outstanding condition clarity
- Communicated regularly with Fannie Mae and Freddie Mac for clarity and updates on policy and procedures, and then presented them to UW team
Underwriter III (REMOTE)
Interfirst Mortgage Company
06.2016 - 12.2016
- Decisioned loans received using DU AUS findings, providing Initial and Final underwriting decisions whether Approved, Suspended, or Declined
- Reviewed all credit, income, asset, title, and other documents for decisioning
- Communicated results to Brokers and Loan Officers
- Updated DU and DataTrac to match decision results
- Cleared DRIVE/DataVerify results, confirming valid customer, property, Loan Officer, and Closing Agent information
- Conditioned loans for outstanding documents required for final decision
- Completed quality checks prior to releasing loans for final approval
Consumer Loan Underwriter
Wells Fargo Home Mortgage
03.2013 - 06.2016
- Reviewed Conventional Loans for Approval/Declination
- Reviewed/approved income, asset, and credit documentation to determine Debt-to-Income ratios, as well as "Cash-to-Close" and "Reserve" requirements (documents include but not limited to tax returns, P&L statements, paystubs, W2's, award letters, bank statements, settlements, retirements, investments, etc.)
- Reviewed titles, applications, and credit reports, and researched discrepancies, and undisclosed liens/judgments
- Added/Met conditions required to provide overall picture of creditworthiness and file completion, and communicated final approval/decline decisions to Sales Partners
- Completed daily production tracking tools/reports
- Facilitated weekly phone calls/meetings with sales partners and processors regarding best practices, policy/procedure updates and/or changes
- Provided loan-level coaching and/or assistance to sales partners regarding loan updates, and understanding of specific loan requirements.
Case Management Team Manager II
Bank of America
10.2011 - 03.2013
- Managed production team of 12-15 Process Support Specialists in the Legacy Asset Servicing division of Bank of America
- Managed team/unit pipeline to ensure proper delegation of work, as well as, load leveled when necessary to ensure all items were touched and/or completed
- Assisted in training and continued education initiatives
- Reviewed Loan Modification deals for quality purposes and signed off on them once accuracy was confirmed
- Managed/Monitored daily production reports for Upper Leadership
- Lead project assignments used for statistical purposes within Case Management line of business
- Headed pilot projects, collecting process data to be utilized for change implementation
- Conducted Daily/Weekly Team/Unit meetings revolving around production, policy/program updates, leadership directives, etc
- Handled escalations related to unresolved loan modification requests
- Conducted one-on-one performance conferences & employee reviews with team members to discuss strengths/weaknesses and performance plans
- Developed simplified processes for team production within assigned unit
Home Services Specialist II/ Jr. Underwriter
Bank of America
02.2007 - 10.2011
- Provided Loan Approval/Decline decisions for loan amounts up to $750,000 based on credit profile and financial portfolios offering change of terms to borrowers when required
- Decisioned/Restructured loans while adhering to Investor Guidelines (Fannie Mae/Freddie Mac), DU/LP findings, as well as Bank of America Policy/Procedure Guidelines
- Assisted with training of New Hires via side-by-sides, demonstrating daily duties and providing assistance/coaching on systems and procedures
- Added/Met conditions required to provide overall picture of creditworthiness and file completion, and communicated final approval/decline decisions to customers
- Reviewed Income and Asset documentation to determine Debt-to-Income ratios, as well as "Cash-to- Close" and "Reserve" requirement
Education
Some College (No Degree) - Liberal Arts
Milwaukee Area Technical College
Milwaukee, WISkills
- Documentation review
- Loan evaluation
- Residential mortgage lending regulations
- Underwriting guidelines (FNMA, FHLMC, & FHA/HUD)
- Automated underwriting system (AUS)
- Leadership skills
- Attention to detail
- Verbal and written communication
- Complaint handling
- Analytical and critical thinking
- Staff management
- Complex Problem-solving
Accomplishments
- Maintained high customer loyalty scores and received Team Member Recognition for outstanding relationship building with Sales Team.
- Given additional responsibilities including training, special projects, project lead, and associate development due to my exceptional leadership and willingness to go the extra mile.
Additional Information
ADDITIONAL INFORMATION PROVIDED UPON REQUEST
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
It is never too late to be what you might have been.
George Eliot
Timeline
DE Mortgage Underwriter - FHA (REMOTE)
Merchants Bank of Indiana
08.2020 - 01.2026
Forensic Underwriter (REMOTE)
The Oakleaf Group, LLC
08.2019 - 01.2020
Data Compliance Underwriter (REMOTE)
Clayton Holdings
07.2018 - 08.2019
Forensic Underwriter (REMOTE)
The Oakleaf Group
03.2018 - 06.2018
Senior Loan Underwriter (REMOTE)
Union Home Mortgage
01.2017 - 09.2017
Underwriter III (REMOTE)
Interfirst Mortgage Company
06.2016 - 12.2016
Consumer Loan Underwriter
Wells Fargo Home Mortgage
03.2013 - 06.2016
Case Management Team Manager II
Bank of America
10.2011 - 03.2013
Home Services Specialist II/ Jr. Underwriter
Bank of America
02.2007 - 10.2011
Some College (No Degree) - Liberal Arts
Milwaukee Area Technical College