Non-QM Underwriter
Amres
Trevose, PA
11.2022 - 02.2023
- Pipeline of Non-QM and Non-Prime loans
- Used multiple investors and guidelines to determine credit decision
- Conducted comprehensive analysis of risk/fraud
Sandra Ward
Las Vegas,NV
Summary
Results-oriented Mortgage Underwriter knowledgeable about wide range of loan products from Conventional to Non-QM Loans. Professionally works with different lenders to meet needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities.
Work History
Sr Non-QM Underwriter
ARC Home LLC
Mount Laurel, NJ
05.2022 - 09.2022
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment
- Calculated income, expenses and escrow advances in accordance with departmental and investor/insurer/client guidelines
- Deciding a minimum 3.5 loans a day
Non-QM Underwriter
Newfi
Emeryville, CA
09.2021 - 05.2022
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility
- Meet turn times of completed task within 24 hours of submission
- Utilized Multiple Investors for loan placement options
Senior Underwriter
National MI Corp.
Emeryville, CA
01.2016 - 08.2021
- Maintained compliance with company and regulatory policies for mortgage insurance
- Trained newly hired top talent to fill key underwriting positions and maximize productivity
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity
Underwriting Manager
Rpm Mortgage
Alamo, CA
12.2014 - 12.2015
- Demonstrated leadership by making improvements to work processes and helping to train others
- Led team meetings and one-on-one coaching sessions to continuously improve performance
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service
Underwriting Manager
Lending Home Corp
San Francisco, CA
11.2013 - 12.2014
- Worked with team of Mortgage Professionals to ramp up startup company in San Francisco.
- Achieved production goals by developing strong underwriting teams
- Communicated regularly with executive team members to deliver pertinent details related to progress status and direction for projects
Corporate Underwriter/Coach
Bank of America
SAN JOSE, CA
02.2010 - 11.2013
- Utilized broad scope of industry knowledge toward serving as a Level 6 Underwriter with signing authority to $3 million
- Expertly maintained SLAs to ensure customer service excellence
- As a Proficiency Coach, I Implemented and facilitated successful training programs to increase employee engagement, retention and productivity.
Education
1072194 -
NMLS - Previous
CA,TX, NVSkills
- Business Analysis and Reporting
- Experience Evaluating Financial Statements & Taxes
- Adept at Fraud Detection and Prevention
- Risk Mitigation with Modification Experience
- Strong background in Non-Prime, Non-QM Loans
- Ability to underwrite to multiple investors and guidelines
Accomplishments
- Volunteer Coordinator for Red Cross Fire Disaster in Northern CA for fire relief with National Mortgage Insurance. Delivered over 6600 pounds of resources
- Volunteer for St. Jude's Ranch in Boulder Creek, NV. Organized and provided gifts and meals for all holiday events for the residents in the Foster Care Program who have aged out of Foster care ages 18 - 23. From 2018 to 2021
- Search Coordinator in Morgan Hill, CA. Developed a search team with over 100 Bank of America Volunteers searching for missing teenager Sierra Lamar in 2019.
Affiliations
Recognized for job excellence with multiple top “Gold,” “Silver,” and “Bronze” awards from Bank of America
Recognized by NMI for Community Volunteer Work at St. Jude's Ranch for Foster Children in Boulder Creek NV
Timeline
Non-QM Underwriter
Amres
11.2022 - 02.2023
Sr Non-QM Underwriter
ARC Home LLC
05.2022 - 09.2022
Non-QM Underwriter
Newfi
09.2021 - 05.2022
Senior Underwriter
National MI Corp.
01.2016 - 08.2021
Underwriting Manager
Rpm Mortgage
12.2014 - 12.2015
Underwriting Manager
Lending Home Corp
11.2013 - 12.2014
Corporate Underwriter/Coach
Bank of America
02.2010 - 11.2013
1072194 -
NMLS - Previous
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