Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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NECOMA SANSOM

Forney,Tx

Summary

Professional Mortgage Underwriter with over 10 years of experience. Proficient in assessing loan applications and determining creditworthiness. Passionate about delivering superior customer service by optimizing productivity to drive loans to successful funding and closing.

Overview

10
10
years of professional experience

Work History

Credit Analyst

Mphasis
10.2024 - Current
  • Analyze customer data such as financial statements to determine level of risk involved for extending credit.
  • Analyzing, Negotiating, Pricing and Documenting lines of credit as per the lender's judgement
  • Review of other transactions that have an element of customer risk
  • Review and approve or decline credit applications to keep organization profitable by making informed lending decisions.
  • Attend credit-related training and conferences to stay informed about industry trends and developments.

Lock Box Processor

PNC Bank
03.2023 - 10.2024
  • Extracts remittances based on standard operating procedures
  • Reviews transactions and related documents and verifies work processes to ensure completeness, accuracy and conformance to established service levels and applicable policies and procedures
  • Exceeded daily productivity targets while maintaining high levels of accuracy in task execution.
  • Promoted a positive work environment by actively participating in team meetings and discussions related to process improvements.
  • Improved lockbox processing efficiency by accurately sorting and batching mail received from clients.

Non QM Mortgage Underwriter

Angel Oak Mortgage
02.2021 - 09.2022
  • Underwrite new submittal and pre-existing Bank Statement, No Income Investment, Multi-Family Condo, DSCR, Cash Flows, Rental Income and Foreign National Mortgage loans
  • Underwriting Authority for up to 700k
  • Analyze appraisals and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
  • Coordinates resolution of any auditing deficiencies with Quality Assurance and Management
  • Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.

VA/IRRL Underwriter

Freedom Mortgage
07.2020 - 02.2021
  • Underwrite new submittal and pre-existing VA IRRL mortgage loans
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Responsible for reviewing a minimum of 5 loans per day along w/required conditions if any
  • Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.

Valuation Services Associate

Corelogic
11.2019 - 07.2020
  • Responsible for addressing post-delivery revision requests and highly escalated transactional issues from multiple clients
  • Review appraisal reports and provide direction to appraisers regarding order guidelines, client requirements and proper appraisal methodology
  • Proactively take ownership of and resolve any client related appraisal issues before and as they arise
  • Maintain communication with appraisers, clients, and underwriters on appraisal and performance issues
  • Increased customer satisfaction by resolving complex issues and providing exceptional service at all times.
  • Optimized departmental processes with the implementation of innovative strategies, resulting in improved efficiency and reduced costs.

JR Underwriter

Plaza Home Mortgage
04.2015 - 01.2019
  • Enhanced underwriting efficiency by organizing and prioritizing daily tasks and responsibilities.
  • Demonstrated expertise in various type of loans, including FHA/VA / USDA/Jumbo and Conventional loans
  • Worked directly with clients to provide training and daily support for loan delivery
  • Served as liaison for Brokers, Correspondents and AEs
  • Engaged in verbal and written communication with AEs and Brokers
  • Requested additional items from Brokers at the request of AE, Underwriter or Closer
  • Maintained compliance with company policies and industry regulations through diligent review of documentation and data analysis.
  • Identified potential risks associated with specific loan applications, mitigating financial exposure for the organization.

Education

High School Diploma -

South Oak Cliff High School
Dallas, Tx
05.1997

Skills

  • Attention to Detail
  • Time Management
  • Multi-tasking
  • Prioritization
  • Non QM Underwriting
  • DU
  • LP
  • Lending Guidelines
  • Underwriting Guidelines
  • Analyzing Information
  • Encompass
  • Sales Force
  • Lending Authority Certification
  • Credit analysis

Personal Information

Title: Non-QM Underwriter

Timeline

Credit Analyst

Mphasis
10.2024 - Current

Lock Box Processor

PNC Bank
03.2023 - 10.2024

Non QM Mortgage Underwriter

Angel Oak Mortgage
02.2021 - 09.2022

VA/IRRL Underwriter

Freedom Mortgage
07.2020 - 02.2021

Valuation Services Associate

Corelogic
11.2019 - 07.2020

JR Underwriter

Plaza Home Mortgage
04.2015 - 01.2019

High School Diploma -

South Oak Cliff High School

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