Summary
Overview
Work History
Education
Skills
Certification
Volunteer Experience
Timeline
Generic

Sara Stevens

Oro Valley,USA

Summary

Dynamic professional specializing in compliance, underwriting, and auditing with a track record of managing high-volume pipelines in fast-paced environments. Expertise in risk identification and mitigation through critical thinking. Strong integrity and business judgment are applied consistently in all aspects of the loan process. Exceptional communication skills enhance collaboration and training effectiveness.

Overview

13
13
years of professional experience
1
1
Certification

Work History

Senior Mortgage Loan Underwriter

Pima Federal Credit Union
Tucson, AZ
07.2023 - Current
  • Work with processing team members to communicate errors and obtain missing information for current applications.
  • Make careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
  • Collaborate with other departments within the organization, such as accounting, sales, and operations, when necessary.
  • Create training material for sales and operations.

Credit Help Desk DE Underwriter

Reverse Mortgage Funding, LLC
Bloomfield, NJ
12.2020 - 11.2022
  • Reviewed all H2H approval requests to determine the net tangible
  • Determined if credit and payment history warranted a LESA.
  • Provided support to sales by reviewing documents or providing guidelines.
  • Performed cash flow analysis on income.
  • Worked with the legal department to ensure Power of Attorney, conservatorship, and trusts met HECM guidelines.
  • Answered up to 80 scenario questions on a daily basis.
  • Reached out to FHA Homeownership Center for guidance.

DE Underwriter

American Advisors Group
Irvine, CA
06.2020 - 11.2020
  • Researched potential problem loans in order to identify any issues that could jeopardize the closing process.
  • Identified valuable solutions for customers with credit problems.
  • Identified discrepancies between application documents and underlying property records.
  • Collaborated with company teams to expedite loan approval processes.
  • Maintained up-to-date knowledge of industry regulations, legislation and best practices related to DE Underwriting.
  • Consulted with legal counsel when necessary to resolve complex issues or disputes.

Internal Audit Team Lead/DE Mortgage Underwriter

Union Home Mortgage Corp.
Strongsville, OH
04.2016 - 11.2019
  • Underwrote three new loans daily, clearing conditions within 24 hours for all programs.
  • Averaged 55 loans monthly, maintaining high efficiency and accuracy in processing.
  • Established first risk assessment methodology for company to enhance decision-making processes.
  • Prepared comprehensive files for state exam audits to ensure compliance.
  • Collaborated with management to introduce updated work procedures and policies.
  • Engaged with FNMA to review MORA exam findings and reconcile discrepancies.
  • Utilized positive reinforcement techniques to motivate staff and improve performance.

Mortgage Underwriter/ Processing Trainer

Waterstone Mortgage Corporation
Pewaukee, WI
08.2012 - 09.2015
  • Reviewed appraisals to ensure accuracy and compliance with company standards.
  • Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
  • Maintained compliance with company and regulatory policies.
  • Attended seminars and workshops in order to stay informed about new developments within the mortgage industry.
  • Evaluated loan applications and creditworthiness of potential borrowers.

Education

High School Diploma -

Divine Savior Holy Angels
Milwaukee
05-1991

Skills

  • Quality control procedures
  • Risk assessment
  • Internal and external audits
  • Fraud detection
  • Income analysis
  • Proficient with Encompass, MortgageClick, Lending QB, Tango, and Reverse Vision
  • Salesforce CRM
  • Training material development, employee training
  • Regulatory compliance
  • Due diligence
  • Leadership skills
  • Operations management
  • FNMA, FHLMC, FHA, VA, USDA, HECM, DPA and Renovation loans

Certification

  • Chums, HN46, 2013
  • Certified Mortgage Compliance Professional, 2025
  • NMLS: 340477, not active

Volunteer Experience

Brand Ambassador, Pima Federal Credit Union

Timeline

Senior Mortgage Loan Underwriter

Pima Federal Credit Union
07.2023 - Current

Credit Help Desk DE Underwriter

Reverse Mortgage Funding, LLC
12.2020 - 11.2022

DE Underwriter

American Advisors Group
06.2020 - 11.2020

Internal Audit Team Lead/DE Mortgage Underwriter

Union Home Mortgage Corp.
04.2016 - 11.2019

Mortgage Underwriter/ Processing Trainer

Waterstone Mortgage Corporation
08.2012 - 09.2015

High School Diploma -

Divine Savior Holy Angels

Similar Profiles

CREATE PROFILE