Ruby Martin
Tomball,TX
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with Customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Underwriter IV
Cardinal Financial Corp
2022.11 - Current
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Underwriter
Caliber Home Loans
2015.05 - 2022.11
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD ,FNMA, USDA
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Collaborated with other professionals to develop innovative underwriting solutions
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement
Underwriter
Academy Mortgage
2011.05 - 2015.05
- .Maintained mortgage program compliance with federal agencies such as VA, HUD , FNMA, USDA
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Mortgage Operations Manager
Midland States Bank
2010.01 - 2011.05
- Onboarded new employees with training and new hire documentation.
- Cross-trained existing employees to maximize team agility and performance.
- Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in processes, employee knowledge and customer demands.
- Developed and maintained relationships with customers and suppliers through account development.
- Achieved or exceeded financial goals on regular basis by controlling expenses, optimizing schedules and regulating inventory usage. Continued to underwrite files and maintained all designation
- Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.
- Developed strategic plans for day-to-day financial operations.
Education
Associate of Arts - BUSINESS
Central Wyoming Community College
Wyoming09.1983
Skills
- Government Lending
- Loan Product Knowledge
- Property Evaluation
- Desktop Underwriter
- Automated Underwriting Systems
- Loan Processing Coordination
- Loan Restructuring
- Credit File Updating
- Loan File Maintenance
- Credit History Review
- Loan Modification
- Government Standards
Certification
- DE UNDERWRITER, VA/SAR, USDA, FNMA/FHLMC, Construction loans, Jumbo , 203K, Bond programs
- Manufactured Homes
- Condominium or Mixed Used Properties
- Home Equity Loans
- Reverse mortgage
- Jumbo Underwriting
- FHA 203(k), FHA Energy Efficient Repair Loans, VA Renovation or Energy Efficient Repair Loans or Homestyle Renovation Underwriting Experience
Timeline
Underwriter IV
Cardinal Financial Corp
2022.11 - Current
Underwriter
Caliber Home Loans
2015.05 - 2022.11
Underwriter
Academy Mortgage
2011.05 - 2015.05
Mortgage Operations Manager
Midland States Bank
2010.01 - 2011.05
Associate of Arts - BUSINESS
Central Wyoming Community College
- DE UNDERWRITER, VA/SAR, USDA, FNMA/FHLMC, Construction loans, Jumbo , 203K, Bond programs
- Manufactured Homes
- Condominium or Mixed Used Properties
- Home Equity Loans
- Reverse mortgage
- Jumbo Underwriting
- FHA 203(k), FHA Energy Efficient Repair Loans, VA Renovation or Energy Efficient Repair Loans or Homestyle Renovation Underwriting Experience
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