Natasha Gore
Miamisburg,OH
Summary
Highly skilled professional with extensive experience in mortgage banking, including underwriting, processing, funding, and post-closing audits. Possesses a strong working knowledge of fair lending and fair banking-related laws and statutes. Proven ability to identify and resolve procedural issues using continuous improvement methodologies and strategies. Effective communicator with the ability to explain complex processes in easy-to-understand terms for customers while consistently underwriting 60+ loans per month and maintaining top-tier QA ratings. Detail-oriented professional adept at monitoring and managing loan accounts through completion. Strong background in mortgage underwriting, with a focus on risk assessment, loan analysis, and regulatory compliance. Thrives in a fast-paced environment through team collaboration and achieving results. Reliable and adaptable with excellent analytical and communication skills.
Overview
14
14
years of professional experience
Work History
Remote QC Mortgage Underwriter
Indecomm
12.2024 - Current
- Responsible for preforming quality control underwriting reviews for correspondent business line loans
- Ensured loans met program requirements and agency guidelines
- Reviewed financial statements, personal and business tax returns, property appraisals, title, analyze credit reports and payment history for AUS discrepancies
- Issued request for corrective actions on loans outside of the allotted variance and tolerance
- Maintained knowledge of agency guidelines and federal laws
Remote Mortgage Underwriter II
US Bank
12.2019 - 03.2024
- Evaluated overall creditworthiness of borrower to render a credit decision
- Calculated and verified income using documentation and methodology required per investor and agency guidelines to ensure stability
- Reviewed assets to ensure adequate funds to close and required reserves had been verified and properly sourced
- Maintained knowledge of agency guidelines and federal laws
- Reviewed financial statements, personal and business tax returns, property appraisals, title, analyze credit reports and payment history to determine and report any potential fraud risk
- Ensured all loans met or exceed company credit policy and maintained a less than .3% annual QA finding score
- Evaluated appraisal to ensure the collateral would be acceptable, the report was accurate, complete and supports the value being given
- Communicated proactively with operations regarding loan decisions, conditions, and possible loan scenarios
- Reviewed loan applications and CDs to ensure they were accurate, complete, met KYC and ULDD standards, balanced with the final AUS findings and maintained a less than .15% annual QC finding score
- Certified US Bank non-agency jumbo and portfolio loan underwriter
- Completed pre-funding QA reviews on branch files
Post-Closing Correction Specialist
Fifth Third Bank
10.2018 - 12.2019
- Ensured TRID CD errors were accurately resolved and corrected documentation had been provided within the established deadlines
- Evaluated discrepancies identified in the closing package and remediated according to company guidelines
- Corrected and reported major discrepancy issues and the procedures used to address them
- Obtained required final loan documentation from all involved loan parties
- Issued cure and or refund checks for confirmed CD errors
Remote Mortgage Underwriter
BBMC Mortgage
11.2014 - 02.2018
- Evaluated overall creditworthiness of borrower by reviewing pay stubs, W2s, financial statements, tax returns, asset statements, and credit reports
- Calculated and verified debt to income ratio using documentation and methodology required per investor and agency guidelines
- Ensured there were benefits to the borrower when completing the loan
- Reviewed assets to ensure adequate funds to close and required reserves have been verified and properly sourced
- Ensured compliance with appropriate company, investor, and agency guidelines
- Reviewed credit report, 1003 liabilities, and fraud report to ensure all debts are accounted for and any major derogatory events were researched
- Completed and submitted SARs for secondary review when applicable
- Maintained knowledge of investor and agency guideline revisions and overlays
- Reviewed and ensured that all tax, insurance, and title documentation was accurate and clear
- Ensured all loans met or exceeded company credit policy and passed ATR-QM testing
- Reviewed appraisal to ensure collateral was acceptable, the report was accurate, complete, and supported the value being given
- Performed full condo project reviews to ensure they met saleable guidelines
- Communicated with MLOs, processors, and post closers regarding loan decisions, conditions, and possible loan scenarios
- Reviewed 1008 and 1003 to make sure they were accurate, complete, and matched the final AUS findings
- Ordered mortgage insurance
Mortgage Underwriter
Proficio Mortgage
02.2013 - 10.2014
- Assessed overall creditworthiness of borrower to render a credit decision
- Calculated and verified income using documentation and methodology required per investor and agency guidelines to ensure it was considered stable
- Reviewed assets to ensure adequate funds to close and required reserves had been verified and properly sourced
- Examined individual tax returns, property appraisals, title, credit reports, and payment history
- Ensured that all loans met or exceed company credit policy and pass ATR-QM testing
- Assessed appraisal to ensure collateral was acceptable and the report was accurate and supported the value given
- Collaborated with MLOs, processors, and post closers regarding loan decisions, conditions, and possible loan scenarios
- Reviewed 1008 and 1003 to make sure they were accurate, complete, and matched the final AUS findings
Jr. Mortgage Underwriter
Proficio Mortgage
06.2012 - 01.2013
- Reviewed and analyzed loan applications, credit reports, and payment history
- Underwrote basic government, Freddie Mac Open Access and Fannie Mae DU Refi Plus loans, ensuring compliance with guidelines
- Ordered mortgage insurance and Core Logic loan safe reports
- Assisted underwriting staff with research and analysis for larger and more complex loans
- Reviewed individual tax returns, property appraisals, title, analyze credit reports and payment history
Credit Analyst
Fifth Third Bank
12.2010 - 05.2012
- Processed loan applications through origination to closing
- Underwrote basic government, Freddie Mac and Fannie Mae loans ensuring compliance with company standards and guidelines
- Helped underwriting staff with research and analysis for larger and more complex loans
- Ordered all necessary supporting documentation required
- Reviewed individual tax returns, property appraisals, title, analyze credit reports and payment history
- Determined creditworthiness of borrowers, assessed financial risk involved, and issued commitment or denial letter
- Communicated with borrower, realtor, and builder to provide status reports
- Engaged in due diligence process by reviewing post-commitment conditions to ensure that the borrowers complied with conditions prior to closing
Education
Some College (No Degree) - Business
Cuyahoga Community College
Cleveland, OHSome College (No Degree) - Art
University of Cincinnati
Cincinnati, OHSkills
- Risk Assessment
- Financial Data Analysis
- Regulatory Compliance
- Quality Assessment Expertise
- Training and Development
- Effective Conflict Resolution
- Fraud Analysis
- Effective Organization Skills
- Comprehensive Condo Analysis
- Regulatory Compliance in Cash Out
- Analytical Reporting
- Jumbo Loan Review Expertise
- Risk Reduction Strategies
- Income Assessment
- Comprehensive Understanding
Timeline
Remote QC Mortgage Underwriter
Indecomm
12.2024 - Current
Remote Mortgage Underwriter II
US Bank
12.2019 - 03.2024
Post-Closing Correction Specialist
Fifth Third Bank
10.2018 - 12.2019
Remote Mortgage Underwriter
BBMC Mortgage
11.2014 - 02.2018
Mortgage Underwriter
Proficio Mortgage
02.2013 - 10.2014
Jr. Mortgage Underwriter
Proficio Mortgage
06.2012 - 01.2013
Credit Analyst
Fifth Third Bank
12.2010 - 05.2012
Some College (No Degree) - Business
Cuyahoga Community College
Some College (No Degree) - Art
University of Cincinnati
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