Rebecca Neirynck
The Colony,TX
Summary
Mortgage Professional with over 10 years of experience in FHA and VA loan underwriting and client support in retail and wholesale environments. Expertise in managing loan documentation, ensuring compliance, and guiding brokers through the mortgage process. Recognized for enhancing workflow efficiency and maintaining organizational precision in high-pressure settings. Proven ability to assess creditworthiness and implement operational improvements to minimize risk and streamline processes.
Results-driven mortgage professional prepared for senior responsibilities. Expertise in evaluating loan applications and ensuring adherence to compliance protocols. Reliable team collaborator, adaptable to changing needs, and focused on achieving successful outcomes.
Experienced with risk assessment and underwriting processes. Utilizes advanced analytical techniques to evaluate borrower profiles and ensure regulatory compliance. Track record of maintaining high standards in loan quality and decision-making.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Remote SR Mortgage Underwriter
STG Mortgage, Inc
03.2025 - 12.2025
- Collaborate with brokers and processors to review and finalize FHA, VA, and Conventional loans.
- Analyze and verify borrower documentation to ensure compliance with investor and regulatory standards.
- Maintain detailed communication with loan officers regarding conditions and required documentation.
- Provide exceptional service and support to ensure smooth loan closings.
- Evaluated loan applications for compliance with underwriting guidelines and risk assessment criteria.
- Collaborated with loan officers to clarify borrower documentation requirements and resolve discrepancies.
- Mentored junior underwriters on best practices in risk analysis and decision-making processes.
- Conducted thorough reviews of credit reports, income statements, and asset documentation for accuracy.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Upheld data privacy standards by securely handling confidential client information during the underwriting process.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Collaborated with multiple departments for seamless loan approval process, ensuring all necessary information was accurately documented and communicated.
- Balanced competing priorities and managed a high volume of work, consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
Remote SR Mortgage Underwriter III
KBHS Home Loans
05.2021 - 02.2025
- Supported loan officers by pre-screening and preparing loan files for submission.
- Delivered accurate credit decisions across FHA, VA, Conventional, DPA, and bond programs.
- Ensured documentation completeness and compliance prior to final underwriting.
- Maintained consistent communication between departments to expedite file movement.
- Evaluated mortgage applications for creditworthiness and compliance with lending policies.
- Analyzed financial documents to ensure accuracy and mitigate risks in underwriting decisions.
- Collaborated with loan officers to clarify borrower information and resolve discrepancies efficiently.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Remote Mortgage Underwriter III
Homebridge Financial Services
08.2019 - 05.2021
- Reviewed and conditioned loan files for accuracy, completeness, and compliance.
- Partnered with processors and loan officers to clear conditions and meet closing deadlines.
- Specialized in FHA and VA
Remote Mortgage Underwriter III
Amerihome Mortgage
06.2019 - 08.2019
- Supported brokers in preparing clean, complete loan files for submission.
- Reviewed income, assets, and credit documentation to ensure accuracy and compliance.
- Evaluated borrower creditworthiness and financial history to determine loan eligibility.
- Collaborated with loan officers to clarify applicant information and address underwriting conditions.
- Reviewed and approved high-value mortgage applications, ensuring adherence to regulatory standards.
- 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.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
SR DE, LAP, SAR Underwriter / Team Lead Assistant
Legacy Texas Bank
02.2015 - 03.2019
- Assisted team lead in managing loan pipeline, resolving closing issues, and ensuring timely funding.
- Trained processors on file submission and documentation standards.
- Maintained compliance logs and assisted with portfolio and CRA loan reviews.
- Evaluated risk factors and determined underwriting criteria for loan applications.
- Analyzed financial statements to assess borrower creditworthiness and ensure compliance.
- Collaborated with loan officers to streamline the approval process and enhance customer experience.
- Mentored junior underwriters, providing guidance on best practices and industry standards.
- Implemented improved workflows that reduced turnaround times for loan approvals by optimizing processes.
- 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.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Determined and documented loan conditions and communicated requirements and decisions.
- Achieved high levels of underwriter certification, demonstrating commitment to professionalism and continuous learning.
Education
Business Coursework (No Degree)
University of Phoenix
Phoenix, AZSkills
- Loan Processing & File Management
- Mortgage Documentation Review
- Regulatory Compliance (FHA, VA, Conventional)
- Client & Broker Support
- Multiple Lending Platforms (Encompass, LQB, Edge)
- Quality Control & Risk Assessment
- Communication & Customer Service
- Time Management & Process Improvement
- FNMA guidelines
- Strong decision-making
- Loan underwriting expertise
- Debt-to-income ratios
- Residential loans
- LTV calculations
Certification
- FHA DE Underwriter – March 2016
- VA LAPP/SAR – November 2016
Timeline
Remote SR Mortgage Underwriter
STG Mortgage, Inc
03.2025 - 12.2025
Remote SR Mortgage Underwriter III
KBHS Home Loans
05.2021 - 02.2025
Remote Mortgage Underwriter III
Homebridge Financial Services
08.2019 - 05.2021
Remote Mortgage Underwriter III
Amerihome Mortgage
06.2019 - 08.2019
SR DE, LAP, SAR Underwriter / Team Lead Assistant
Legacy Texas Bank
02.2015 - 03.2019
Business Coursework (No Degree)
University of Phoenix