Dedicated Mortgage Professional with over 10 years of experience in loan underwriting, file review, and client support within retail and wholesale mortgage environments. Highly skilled in managing loan documentation, ensuring compliance, and supporting brokers through all stages of the mortgage process. Recognized for strong communication, organizational precision, and the ability to improve workflow efficiency in fast-paced lending operations.
Hi, I’m
REBECCA NEIRYNCK
Sr Mortgage Underwriter
The Colony,TX
Summary
Overview
11
years of professional experience
1
FHA Certification
1
VA LAPP SAR
Work History
STG Mortgage, IncIrvine, CA
Sr Mortgage Underwriter
04.2025 - Current
Job overview
- Checked personal and team calculations to validate information and underwriting decisions.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
KBHS Home Loans
Remote SR Mortgage Underwriter III
06.2021 - 03.2025
Job overview
- Fully Underwrite & Decision VA, FHA, Fannie Mae & Freddie Mac Loans: TSAHC, DPA, Bond, MCC’s, Grants
- Analyze Loan packages to deliver valid credit decisions
- Maintain quality control standards while maintaining production standards by company’s definition
- Provide customer service to all staff by effectively explaining credit decisions
- Assure compliance with guidelines and polices
Homebridge Financial Services
Remote Mortgage Underwriter III
09.2019 - 06.2021
Job overview
- Fully Underwrite & Decision VA, FHA, Fannie Mae & Freddie Mac Loans: FHA Streamline, VA IRRL, Manufactured Homes, 203K
- Analyze Loan packages to deliver valid credit decisions
- Maintain quality control standards while maintain production standards by company’s definition
- Provide customer service to all staff by effectively explaining credit decisions
- Assure compliance with guidelines and polices
Amerihome Mortgage
Remote Mortgage Underwriter III
07.2019 - 09.2019
Job overview
- Fully Underwrite & Decision FHA, Fannie Mae & Freddie Mac Loans
- Analyze Loan packages to deliver valid credit decisions
- Maintain quality control standards while maintain production standards by company’s definition
- Provide customer service to all staff by effectively explaining credit decisions
- Assure compliance with guidelines and polices
Washington Agency American Income Life
Financial Services Agent
04.2019 - 07.2019
Job overview
- Helped families with Term & Life Insurance needs
Legacy Texas Bank
SR DE, LAP, SAR Underwriter
03.2015 - 04.2019
Job overview
- Fully Underwrite and Decision VA, VA Jumbo, FHA, Conventional, Freddie Mac and CRA Loans Review Compliance and Appraisal for Portfolio Loans
- : FHA Streamline, VA IRRL, Seth, TSAHC, DPA, Bond, MCC’s, Grants, TX Veterans Land Board etc
- Train New Processors on how to submit a clean file to underwriting Touches 6 -8 files a day, initial, clearing conditions and clearing to close
- Help resolve closing issues
- Maintain a Prior to Purchase Log
- Assistant to Team Lead
Education
University of PhoenixPhoenix, AZ
Some College (No Degree) from Business
University Overview
No Degree
Skills
- Documentation review
- Loan origination software
- Loan evaluation
- Encompass
- CRA
- Portfolio Loans
- MS Teams
- Corelogic
- VA loan underwriting
- FHA loan underwriting
- Regulatory compliance
- Credit analysis
- Quality control
- Customer service
- Risk assessment
- Team leadership
- Training and development
- Process improvement
- Time management
- Attention to detail
- Effective communication
- Problem solving
- Loan processing
- Quality control measures
- Mortgage industry awareness
- LTV calculations
- Strong decision-making
- Policy adherence awareness
- Financial analysis proficiency
- Credit risk assessment
- Income calculation accuracy
- Fraud detection
- Underwriting software
- Asset verification methods
- Employment verification techniques
- Residential loans
- Debt-to-income ratio analysis
- Credit report interpretation
- Collateral evaluation
- Residual incomes
- Tax return analysis
- Debt-to-income ratios
- Loan underwriting expertise
- Appraisal review expertise
- FNMA guidelines
- Loan-to-value ratio calculation
- Collateral valuation
- Underwriting guidelines
- Income verification
- Residential mortgage lending regulations
- Relationship building
- Automated underwriting system (AUS)
- Goal setting
- Task prioritization
- Team collaboration
- Remote video conferencing
- Teamwork and collaboration
- Interpersonal communication
- Written communication
- Problem-solving abilities
Certification
- FHA DE March 2016
- VA LAPP SAR Nov 2016
Timeline
Sr Mortgage Underwriter
STG Mortgage, Inc
04.2025 - Current
Remote SR Mortgage Underwriter III
KBHS Home Loans
06.2021 - 03.2025
Remote Mortgage Underwriter III
Homebridge Financial Services
09.2019 - 06.2021
Remote Mortgage Underwriter III
Amerihome Mortgage
07.2019 - 09.2019
Financial Services Agent
Washington Agency American Income Life
04.2019 - 07.2019
SR DE, LAP, SAR Underwriter
Legacy Texas Bank
03.2015 - 04.2019
University of Phoenix
Some College (No Degree) from Business