Ronanda Henderson
Forney,TX
Summary
Experienced DE FHA/Conventional Underwriter and Sr. Loan Processor with over twenty-two years of experience in the mortgage industry. Proficient in analyzing and underwriting FHA and Conventional loan applications in accordance with investor and agency guidelines. Skilled in reviewing and verifying credit reports, income documentation, assets, collateral, and other loan-related documents to ensure accuracy and completeness. Knowledgeable in using loan origination systems and software, such as Encompass/Calyx Point, DU/ LP. Detail-oriented, dedicated, and able to work independently or as part of a team to meet deadlines and provide excellent customer service.
Overview
13
13
years of professional experience
Work History
FHA and Conventional Underwriter
RoundPoint Mortgage Servicing Corporation Subsidiary of Freedom Mortgage
2020.11 - 2022.03
FHA and Conventional Underwriter
Everett Financial Inc
2020.04 - 2020.11
Conventional Underwriter
Stearns Lending LLC
2013.05 - 2013.11
Conventional Underwriter
Nationstar Mortgage LLC
2009.03 - 2013.05
- Underwrote and approved FHA/Conventional loans under HUD Guidelines, Agency, and Investor guidelines.
- Analyze borrower credit, income (including Self-Employed income), assets, and collateral and other loan-related documents to assess risk and ensure loan eligibility.
- Completed minimum of 6 loans per day and ensured all necessary conditions reviewed in timely manner.
- Work with loan officers, processors, closer, and title companies to clear loan conditions and ensure timely loan closing.
- Maintained thorough understanding of all FHA and conventional guidelines and updated internal guidelines and policies as needed.
Sr. Loan Processor
Texana Bank National Association
2019.12 - 2020.04
Transaction Coordinator
Cardinal Financial Company, LTD
2019.04 - 2019.12
Sr. Loan Processor
Fay Servicing LLC
2018.07 - 2019.03
Sr. Loan Processor
NTFN Inc
2015.04 - 2018.01
Sr. Loan Processor
Loan Depot LLC
2014.04 - 2015.04
- Processed, closed, and funded various types of residential mortgage loans including Conventional, FHA, VA, and Jumbo loans.
- Verified and analyzed loan application information, income documentation, credit reports, and appraisals to ensure accuracy, completeness, and compliance with lending policies.
- Coordinate with loan officers, underwriters, and third-party vendors to clear loan conditions and ensure timely closing.
- Maintained detailed 20 to 30 loan pipeline to ensure on-time closing and funding.
- Train and mentor junior loan processors to improve efficiency and productivity.
- Assist with post-closing duties, such as shipping and funding loans.
Education
High School Diploma -
Central New Mexico, NM
Albuquerque, NM12.1998
Skills
- DE FHA and Conventional Underwriting.
- Loan Processing.
- Loan Origination Software (Encompass, Calyx Point, DataTrac, Octane, and TMO).
- DU/ LP, FHA Connection, GUS USDA Admin, and VA Management Portal.
- Credit analysis and risk assessment.
- Strong knowledge of Self-Employed Income Calculations.
- Exceptional Communication and Customer service.
- Time management and organization.
- Strong Knowledge of compliance regulations such as TRID Loan Estimate (LE), Closing Disclosure, HMDA, and mortgage lending laws.
Accomplishments
- Certifications:
- DE Underwriter | Diehl Mortgage Training And Compliance | 2020
Timeline
FHA and Conventional Underwriter
RoundPoint Mortgage Servicing Corporation Subsidiary of Freedom Mortgage
2020.11 - 2022.03
FHA and Conventional Underwriter
Everett Financial Inc
2020.04 - 2020.11
Sr. Loan Processor
Texana Bank National Association
2019.12 - 2020.04
Transaction Coordinator
Cardinal Financial Company, LTD
2019.04 - 2019.12
Sr. Loan Processor
Fay Servicing LLC
2018.07 - 2019.03
Sr. Loan Processor
NTFN Inc
2015.04 - 2018.01
Sr. Loan Processor
Loan Depot LLC
2014.04 - 2015.04
Conventional Underwriter
Stearns Lending LLC
2013.05 - 2013.11
Conventional Underwriter
Nationstar Mortgage LLC
2009.03 - 2013.05
High School Diploma -
Central New Mexico, NM
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