Hi, I’m
Orinthia (O.J.) Beavers
Charlotte,NC
Summary
Dynamic Senior Mortgage Underwriter specializing in FNMA and FHLMC guidelines at Truist Bank. Established expertise in credit risk assessment and fraud detection, driving team productivity through effective mentorship. Exceptional decision-making and meticulous attention to detail facilitate successful approvals of complex loans while ensuring adherence to regulatory standards.
Overview
23
years of professional experience
1
Certification
Work History
Truist Bank (formerly SunTrust Bank)
Senior Mortgage Underwriter
07.2012 - 12.2024
Job overview
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Specialized in manually underwriting the bank's Portfolio products that included niche Doctor, Builder, Construction/Perm and Premier (elite earning clients) with a $3 million lending authority.
- Analyzed intricate loan files involving high-earning self-employed borrowers with diverse businesses and investments.
- Verified integrity of applicants' information to minimize fraud.
- Ensured mortgage program adherence to federal regulations set by HUD, FHLMC, FNMA and FHA.
- Assisted management with special projects as assigned, demonstrating adaptability and commitment to organizational success.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Increased team productivity by mentoring junior underwriters, sharing industry knowledge, and providing constructive feedback on their work.
- Checked personal and team calculations to validate information and underwriting decisions.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
Republic Mortgage Insurance Co. (RMIC)
Senior Underwriter
01.2002 - 01.2012
Job overview
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Reviewed policy documents before issuance, ensuring accuracy and conformance to approved standards.
- Maintained compliance with industry regulations and company guidelines during all underwriting activities.
- Consistently met or exceeded performance targets by effectively managing daily workload and adhering to strict deadlines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
Education
Clark Atlanta UniversityAtlanta, GA
No Degree from Psychology
01-1995
Skills
- DE Certification
- FNMA, FHLMC guidelines
- Strong decision-making
- Loan underwriting expertise
- Jumbo loans
- Fraud detection
- Regulatory compliance
- Mortgage industry awareness
- Income calculation accuracy
- Credit risk assessment
- Underwriting software (Empower, Encompass)
- Teamwork and collaboration
- Customer service
- Problem-solving
- Attention to detail
- Leadership skills
- Reliability
- Excellent verbal and written communication skills
Certification
FHA Direct Endorsement Certification
Timeline
Senior Mortgage Underwriter
Truist Bank (formerly SunTrust Bank)
07.2012 - 12.2024
Senior Underwriter
Republic Mortgage Insurance Co. (RMIC)
01.2002 - 01.2012
Clark Atlanta University
No Degree from Psychology
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