Regina A Cusimano
Queen Creek,AZ
Summary
Mortgage underwriting leader with a background in credit analysis, risk review, and loan decisioning across FHA, VA, Conventional, USDA, and Non-QM files. Leads remote teams, supports sales and loan officers, and manages high-volume underwriting in paperless environments while maintaining compliance and service standards.
Overview
1
1
Certification
16
16
years of professional experience
Work History
VP of Credit Management
Advantage First Lending
Lake Forest, CA
03.2026 - 09.2026
- Coordinated communication between sales/loan officers and underwriting to streamline processes
- Delivered training on Income/Credit for Conventional, FHA/VA, and NonQM products
- Implemented Encompass software for efficient paperless underwriting processes
Underwriter
Genway Home Mtge dba Roundhouse Lending
Frisco, TX
09.2025 - 02.2026
- Underwrote Non-QM, Conventional, FHA, USDA, and VA loans remotely
- Analyzed credit, income, and asset documents for underwriting decisions.
- Executed paperless underwriting process using Encompass software
- Reviewed mortgage applications for Roundhouse Lending home loan files.
- Evaluated appraisal reports and collateral risk for mortgage approval.
Underwriting Manager
OCMBC dba Jet Advantage Mortgage
Irvine, CA
05.2024 - 08.2025
- Managed wholesale underwriters for conventional, FHA, VA, and Non-QM loans, ensuring alignment with underwriting standards
- Reviewed and approved decisions and recommendations related to complex cases
- Implemented paperless underwriting system using Encompass software, streamlining workflow and reducing turnaround times
- Remote Underwriter of Non-QM, Conventional, FHA, USDA and VA loans
Underwriting Manager
Jet Mortgage/HMAC
Santa Ana, CA
07.2020 - 04.2024
- Managed team of 10 underwriters across conventional, FHA, VA, and Non-QM loans, ensuring compliance and quality in underwriting decisions.
- Oversaw review and approval process for complex cases, enhancing decision-making accuracy and reducing turnaround times.
- Executed paperless underwriting with MeridianLink and LQB software, improving loan processing speed and accuracy.
- Remote Underwriter of conforming, non-conforming, Conventional, FHA, USDA and VA loans
Underwriting Manager
Nations Direct Mortgage
Santa Ana, CA
07.2020 - 09.2022
- Oversaw a team of 15-20 conventional and government underwriters
- Managed daily underwriting operations, ensuring compliance with standards and guidelines
- Reviewed and approved complex case decisions and recommendations, facilitating timely resolutions
Sr. Underwriter
Loan Simple
Englewood, CO
03.2020 - 07.2020
- Underwrite conforming, non-conforming, Conventional, FHA and VA loans (Consumer Direct, Retail & Wholesale)
- Executed paperless underwriting processes with Encompass software to streamline loan evaluations
- Underwrote loans for the Tempe, AZ branch as a remote underwriter, assessing and approving applications.
Underwriter
Prime Choice Funding
Tustin, CA
01.2020 - 03.2020
- Underwrite conforming, non-conforming, Conventional, FHA and VA loans (wholesale/retail)
- Functioned as Remote Underwriter for Tustin office, facilitating timely processing of loan applications.
- Streamlined paperless underwriting processes using Encompass software.
Underwriter
Royal Pacific Funding
Costa Mesa, CA
11.2017 - 01.2020
- Underwrite conforming, non-conforming, Conventional, FHA and VA loans (wholesale)
- Executed paperless underwriting processes in LQB system, enhancing workflow efficiency.
- Performed remote underwriting for Costa Mesa office, ensuring timely loan evaluations.
Underwriter/Team Lead
Majestic Home Loan
Ontario, CA
09.2017 - 11.2017
- Underwrite conforming, non-conforming, Conventional, FHA, VA and USDA loans)
- Executed paperless underwriting processes with Encompass software, enhancing workflow efficiency.
- Acted as remote underwriter for Ontario office, providing timely and accurate loan assessments.
Government Underwriter/SAR
Point Mortgage
Chula Vista, CA
10.2016 - 09.2017
- Underwrote conforming, non-conforming, FHA, and VA loans to facilitate timely processing and approval.
- Reviewed VA SAR, FHA DE, and VA loan applications to ensure compliance with regulatory standards.
- Operated as Remote Underwriter for Chula Vista office, supporting streamlined loan processing.
- Paperless Underwriting system (Encompass)
Government Underwriter/SAR
PRMG
Irvine, CA
11.2015 - 10.2016
- Underwrote conforming, non-conforming, FHA, and VA loans (retail) ensuring compliance with regulatory guidelines and risk management standards.
- Implemented paperless underwriting system using Encompass software to streamline processes and reduce turnaround time.
- VA SAR, FHA DE, VA Underwriter
Underwriter IV
LoanDepot.com, LLC
Irvine/Scottsdale, CA/AZ
07.2010 - 10.2015
- Underwrite conforming, non-conforming, FHA and VA loans
- Paperless Underwriting system (Empower), DU and LP system
- Cleared deficiencies for VA and FHA loans, improving overall loan quality and compliance.
- Managed VASAR, FHA DE, and FHAC administration tasks to ensure accurate processing and adherence to regulations.
- Post- Closing audit of VA FHA Conventional/Jumbo Loans/Correspondent
- Researched and trained the team on VA and FHA products to enhance knowledge and compliance.
- Contributed to Credit Policy/Escalation team
Education
Bachelor of Arts - Business Management
CSUF
Fullerton, CA01-1987
Skills
- FHA DE, VA SAR
- Conventional underwriting
- FHA VA underwriting
- Non-QM underwriting
- Encompass system
- Credit analysis
- Risk management
- Risk assessment
- Loan decisioning
- Policy compliance
- Mortgage operations
- Underwriting leadership
- Team leadership
- Problem solving
- Detail orientation
- Attention to detail
Certification
- FHA DE Underwriter
- VA SAR
Timeline
VP of Credit Management
Advantage First Lending
03.2026 - 09.2026
Underwriter
Genway Home Mtge dba Roundhouse Lending
09.2025 - 02.2026
Underwriting Manager
OCMBC dba Jet Advantage Mortgage
05.2024 - 08.2025
Underwriting Manager
Jet Mortgage/HMAC
07.2020 - 04.2024
Underwriting Manager
Nations Direct Mortgage
07.2020 - 09.2022
Sr. Underwriter
Loan Simple
03.2020 - 07.2020
Underwriter
Prime Choice Funding
01.2020 - 03.2020
Underwriter
Royal Pacific Funding
11.2017 - 01.2020
Underwriter/Team Lead
Majestic Home Loan
09.2017 - 11.2017
Government Underwriter/SAR
Point Mortgage
10.2016 - 09.2017
Government Underwriter/SAR
PRMG
11.2015 - 10.2016
Underwriter IV
LoanDepot.com, LLC
07.2010 - 10.2015
Bachelor of Arts - Business Management
CSUF