Samantha L. Taylor
Chino,CA
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, skilled in working under pressure and adaptable to new situations and challenges to best enhance the organizational brand.
Overview
21
21
years of professional experience
Work History
Underwriter
HTEM dba theLender
Lake Forest, CA
12.2023 - Current
- Underwrite residential mortgage loan applications for Conventional Agency, FHA, Non-QM alternative Doc, Non QM Standard Doc and DSCR.
- Ensure all necessary secondary market guidelines are met for loan salability. This consists of but is not limited to analyzing personal and business returns, title reports and appraisals.
Underwriter
Excelerate Capital
Irvine, CA
07.2023 - 11.2024
- Underwrite residential mortgage loan applications for Conventional Agency, FHA, Non-QM alternative Doc, Non QM Standard Doc and DSCR.
- Ensure all necessary secondary market guidelines are met for loan salability. This consists of but is not limited to analyzing personal and business returns, title reports and appraisals.
Underwriter
AMERITRUST MORTGAGE CORP
Tustin, CA
02.2023 - 06.2023
- Underwrite residential mortgage loan applications for Conventional Agency, FHA, Non-QM alternative Doc, Non QM Standard Doc and DSCR.
- Ensure all necessary secondary market guidelines are met for loan salability. This consists of but is not limited to analyzing personal and business returns, title reports and appraisals.
Underwriter
PRIME CHOICE FUNDING
Tustin, Ca
04.2020 - 06.2022
- Underwrite residential mortgage loan applications for Conventional Agency, FHA, VA IRRL’s, Non-QM alternative Doc, Non QM Standard Doc and DSCR.
- Expert level knowledge of FNMA, Freddie Mac LPA, Web LG, Encompass, Data Verify and PMI Company interfaces.
- Gathered and analyzed information to determine risk acceptability.
- Inspected financial statements, credit information, title data and appraisals to complete underwriting process.
- Utilized diverse data tools and processes to analyze, interpret and manage data.
- Worked alongside internal department to cross-sell company's offerings.
- Ensure all necessary QC and compliance protocols and procedures are adhered to.
HELOC Supervisor
WESCOM CREDIT UNION
Anaheim, Ca
05.2018 - 03.2020
- Collaborate with other Managers and Supervisors to ensure common goals are reached and conflicts resolved collectively and expeditiously.
- Assisted Management in developing, recommending, and implementing changes to improve member service levels, production methods, system performance, and quality of product to meet changing demands and performance metrics.
- Coordinate and develop the departments workflow from the origination of the loan application to the funding of the loan application.
- Supervise staff to ensure Member service levels and goals are met.
- Reviewed completed work to verify consistency, quality and conformance.
- Oversaw quality control to identify inconsistencies and malfunctions.
- Maintained positive working relationship with fellow staff and management.
- Successfully led the team in winning the President’s Award.
Underwriter
CUSO MORTGAGE INC /WESCOM CREDIT UNION
Anaheim, Ca
08.2010 - 05.2018
- Underwrite residential mortgage loan applications for both 1st and 2nd T.D.’s using an automated underwriting engine and manual underwriting guidelines.
- Gathered and analyzed information to determine risk acceptability.
- Inspected financial statements, credit information, title data and appraisals to complete underwriting process.
- Liaised with field, gathering information to base and defend underwriting decisions.
- Expert level knowledge of FNMA DU automated decision tools as well as Data Verify, LFC, Simitar, Calyx Point, LexisNexis and MI Company interfaces.
- Ensure all necessary secondary market guidelines are met for loan salability.
- Responsible for administering pre-funding quality control measures for quality assurance and compliance.
- Assist underwriting manager in operational training of other departments, preparation of materials for training, act in their stead when absent, distribute new loan files accordingly and assist in the risk assessment and exception process.
Underwriter
AMERICAN HOME EQUITY CORPORATION
Irvine, CA
06.2008 - 08.2010
- Underwrite residential mortgage loan applications for conventional residential real estate.
- Gathered and analyzed information to determine risk acceptability.
- Expert level knowledge of FNMA DU, Freddie Mac LPA, Clout, Lexis Nexis, PMI interfaces, Data Trac, Fraudguard / Interthinx and MERS.
- Obtained FHA chums EQ23 and underwrote FHA loans under the supervision of FHA supervisor.
- Worked alongside internal department to cross-sell company's offerings.
Underwriter
PROVIDENT FUNDING, LLC
Orange, CA
01.2008 - 06.2008
- Underwrite residential mortgage loan applications.
- Apply all necessary investor and compliance guidelines to all new and expired loans.
- Audit closed loans to ensure proper compliance and underwriting guidelines have been met.
Underwriter
FIRST BANK MORTGAGE
Irvine, CA
06.2003 - 12.2007
- Underwriter for wholesale lending operation
- Developed loan underwriting skills with FNMA DU, Freddie Mac LP, credit decision tools as well as many industries related quality control tools and MI Company interface applications.
Education
FHA DESIGNATION EQ23
Skills
- Managing Risk
- Analyzing Data
- Influencing Business Growth
- Quality Control
- Building Strong Relationships
- Loss Prevention
- Reliable & Trustworthy
- Good Work Ethic
- Friendly, Positive Attitude
- Data Management
- Microsoft Office
- Critical Thinking
- Conflict Resolution
- Planning & Organizing
- Customer Service
- Ability to work well under pressure and multi task
Timeline
Underwriter
HTEM dba theLender
12.2023 - Current
Underwriter
Excelerate Capital
07.2023 - 11.2024
Underwriter
AMERITRUST MORTGAGE CORP
02.2023 - 06.2023
Underwriter
PRIME CHOICE FUNDING
04.2020 - 06.2022
HELOC Supervisor
WESCOM CREDIT UNION
05.2018 - 03.2020
Underwriter
CUSO MORTGAGE INC /WESCOM CREDIT UNION
08.2010 - 05.2018
Underwriter
AMERICAN HOME EQUITY CORPORATION
06.2008 - 08.2010
Underwriter
PROVIDENT FUNDING, LLC
01.2008 - 06.2008
Underwriter
FIRST BANK MORTGAGE
06.2003 - 12.2007
FHA DESIGNATION EQ23
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