Sara Stevens
Oro Valley,AZ
Summary
- Underwriting, compliance, internal audit and risk assessment methodology expert
- Operations trainer
- Excellent reputation for resolving problems
- Organized and dependable
- Successful at managing multiple priorities with a positive attitude
- Demonstrates excellent communication and good judgement
Overview
13
13
years of professional experience
1
1
Certification
2
2
years of post-secondary education
Work History
Credit Help Desk DE Underwriter
Reverse Mortgage Funding LLC
Newburgh, NY
12.2020 - 11.2022
- Worked across underwriting authority and exception levels.
- Upheld fair lending practices and met targets for productivity, quality and customer satisfaction.
- Proactively identified solutions for customers experiencing credit issues
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
- Examined credit, income and asset documents and reviewed title policy and appraisals.
- Answered a minimum of 60 scenarios and income reviews daily
DE Underwriter
American Advisors Group
Irvine, CA
06.2020 - 11.2020
- 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.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Followed through with loan processors, loan originators and managed all phases of underwriting process.
Internal Audit Manager/Mortgage Underwriter
Union Home Mortgage Corporation
Cleveland, OH
04.2016 - 04.2020
- Conducted strategic and technical reviews to verify compliance with quality control standards, schedule constraints and budget parameters.
- Trained and mentored department staff on policies and procedures to establish strong foundation for client development and service activities.
- Facilitated internal audits and prepared detailed reports on findings.
- Recommended changes to management regarding financial operations.
- Gathered and analyzed financial data to determine improvement efforts.
- Analyzed accounting systems for efficiency and effectiveness.
- Developed the first risk assessment methodology for the company
Underwriter II/Processing Trainer
Waterstone Mortgage Corporation
Pewaukee, WI
08.2012 - 11.2015
- 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.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Loan Originator/Loan Processor/Due Diligence
GSF Mortgage Corporation
Brookfield, WI
06.2009 - 05.2012
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Developed first training manual
Education
Bachelor of Science - Accounting
Southern New Hampshire University
Hooksett, NH 01.2021 - 05.2023
Skills
- Underwriting Guidelines and Processes
- Lexis Nexus Software
- Debt Ratios
- Automated Underwriting Systems
- Customer Relations
- Creditworthiness Determination
- Application Reviews
- Federal Statutes
- Program Requirements
- Government Standards
- Loan Portfolio Monitoring
- Property Evaluation
Certification
Chums ID (HN46) 2013
Loan Origination License 2003
Real Estate License 1998
Timeline
Bachelor of Science - Accounting
Southern New Hampshire University
01.2021 - 05.2023
Credit Help Desk DE Underwriter
Reverse Mortgage Funding LLC
12.2020 - 11.2022
DE Underwriter
American Advisors Group
06.2020 - 11.2020
Internal Audit Manager/Mortgage Underwriter
Union Home Mortgage Corporation
04.2016 - 04.2020
Underwriter II/Processing Trainer
Waterstone Mortgage Corporation
08.2012 - 11.2015
Loan Originator/Loan Processor/Due Diligence
GSF Mortgage Corporation
06.2009 - 05.2012