Summary
Overview
Work History
Skills
Timeline
SeniorSoftwareEngineer

Rebecca Taylor

Sr Mortgage Underwriter
Flint,TX

Summary

Astute and methodical Senior Mortgage Underwriter with significant background working with internal and external customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled mortgage underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player ( while working remote as well) with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

32
32
years of professional experience

Work History

Sr Mortgage Underwriter

Celebrity Home Loans
Oakbrook, Ill
03.2020 - 02.2023
  • 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 HUD, FHLMC and FNMA.
  • Verified integrity of applicants' information to minimize fraud.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Determined credit risks by reviewing files in advance and comparing data against internal guidelines.
  • Checked personal and team calculations to validate information and underwriting decisions.

Sr Mortgage Underwriter

Redfin Mortgage
Frisco, TX
06.2018 - 08.2019
  • 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 HUD, FHLMA ( Freddie) and FNMA ( Fannie).
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Determined credit risks by reviewing files in advance and comparing data against internal guidelines.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Verified integrity of applicants' information to minimize fraud.

Sr Mortgage Underwriter

Caliber Home Loans
Coppel, TX
11.2016 - 02.2018
  • 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 HUD, FHLMC and FNMA.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Verified integrity of applicants' information to minimize fraud.

Sr Mortgage Underwriter

Loan Depot
Plano, TX
06.2015 - 05.2016
  • 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.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Verified integrity of applicants' information to minimize fraud.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Sr Mortgage Underwrite 203K

Endeavor America
Walnut Grove, CA
05.2012 - 05.2015
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Maintained mortgage program compliance with federal agencies such as FHA
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.


St Mortgage Underwriter

Bank Of America
Plano, TX
06.2002 - 05.2012
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Verified integrity of applicants' information to minimize fraud.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
  • Approved or denied loans based on established criteria and underwriting guidelines.
  • Reviewed appraisals and title documents to verify accuracy and completeness.
  • Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
  • Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
  • Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.

Sr Mortgage Underwriter

Citibank ( FKA Associates)
Coppell, TX
11.1990 - 06.2002
  • 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 FHA, FHLMC and FNMA.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Verified integrity of applicants' information to minimize fraud.

Skills

Loan to Value Ratio Calculations

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Timeline

Sr Mortgage Underwriter

Celebrity Home Loans
03.2020 - 02.2023

Sr Mortgage Underwriter

Redfin Mortgage
06.2018 - 08.2019

Sr Mortgage Underwriter

Caliber Home Loans
11.2016 - 02.2018

Sr Mortgage Underwriter

Loan Depot
06.2015 - 05.2016

Sr Mortgage Underwrite 203K

Endeavor America
05.2012 - 05.2015

St Mortgage Underwriter

Bank Of America
06.2002 - 05.2012

Sr Mortgage Underwriter

Citibank ( FKA Associates)
11.1990 - 06.2002
Rebecca TaylorSr Mortgage Underwriter