Shae Marie Carrillo
Underwriter
Lake Elsinore,CA
Summary
Team Player with over 20 years experience working with national mortgage lending institutions. Excellent organizational skills with ability to excel in fast-paced, high pressure environment. Strong problem-solving and decision-making skills. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Proficient in determining level of risk for lenders using strong analytical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
12
12
years of professional experience
Work History
Underwriter III
Impac Mortgage Corporation
01.2022 - 11.2022
- Analyzed and issued credit decisions on Non-QM, FHA, Jumbo and conventional loans, including manually underwriting to investor guidelines with excellent quality track record
- Specialized in complex income review, including personal and business tax returns, business bank statement review, profit and loss statements, DSCR, etc
- Identified and resolved application discrepancies for accuracy and compliance with regulations
- Performed detailed review of all aspects of loan file to ensure loan file accuracy, and that loans met all lender and investor requirements
- Worked closely with sales and processing and broker partners to ensure timely loan closings
Underwriting Manager
loanDepot
07.2019 - 11.2021
- Hands On Manager of a top producing, successful team of up to 20 Conventional and Government underwriters who consistently met and exceeded monthly goals
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
Underwriter III/ Team Lead
LoanDepot
05.2015 - 07.2019
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process on conventional and FHA loan products
- Ability to review and make informed decisions on all aspects of mortgage loan applications
- Excellent pipeline management skills
- Team Lead responsibilities included reviewing and resolving audit/post close issues; training new hires, assisting leadership with compliance spot checks
- Built strong working relationships with sales and operations teams to ensure best outcome for company and customer
Mortgage Underwriter
Bank of America Home Loans
09.2012 - 05.2015
- Evaluated loan applications for creditworthiness based on company policy prior to issuing approvals to applicants for mortgage loans up to $1 Million
- Proficient in mortgage underwriting philosophies ensuring ability to review complete loan file and effectively managing risk to bank
- In-depth knowledge of lending guidelines to ensure compliance with company and federal mortgage requirements
- Ability to review and reconcile complex income and asset documentation
- Strong written communication skills
Home Services Specialist II/ Loan Processor
Bank Of America
08.2010 - 09.2012
- Conventional and FHA loan processor
- Maintain high level of customer service at all times through strong communication with borrowers and all business partners
- Analyze credit and income for to determine appropriate qualification
- Order and Review appraisals to ensure collateral met company guidelines
- Consistently exceeds goals for loan quality, and on time closings
- Mentor to newly promoted processors and newly hired associates
Education
Santa Ana College
Santa Ana, CA2011
Skills
- Encompass, Empower, and other various Loan Origination Software systems
- Microsoft Word, Excel, Outlook, PowerPoint
- Automated Underwriting Systems including DU, LP, TOTAL Mortgage Scorecard
- Manual Underwriting Ability
- Property Appraisal Review 1-4 Units
Timeline
Underwriter III
Impac Mortgage Corporation
01.2022 - 11.2022
Underwriting Manager
loanDepot
07.2019 - 11.2021
Underwriter III/ Team Lead
LoanDepot
05.2015 - 07.2019
Mortgage Underwriter
Bank of America Home Loans
09.2012 - 05.2015
Home Services Specialist II/ Loan Processor
Bank Of America
08.2010 - 09.2012
Santa Ana College
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