Shanon LaForett
Littleton,CO
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
10
10
years of professional experience
Work History
Underwriter
Zions Mortgage
01.2020 - 10.2023
- Reviewed, analyzed, and made final determinations on loan approvals
- Cleared conditions and ensured compliance with guidelines
- Proficient in DU/LP AUS systems for accurate decision-making
- Adapted to guideline changes with strong track record of minimal errors
- Consistently met project deadlines and willingly undertook special projects
- Calculated W-2 and self-employment income; reviewed appraisals.
Underwriter
NewRez Mortgage
01.2018 - 01.2019
- Effectively communicated with internal and external stakeholders
- Analyzed loan applications, made accurate decisions in high-volume setting
- Utilized DU/LP AUS systems for efficient processing
- Conducted thorough appraisal and title reviews.
Underwriter
American Pacific Mortgage
01.2017 - 01.2018
- Evaluated complex business tax returns to calculate various types of income
- Analyzed credit, income, assets, MI, and appraisals for accuracy
- Identified risk issues and potential misrepresentations in loan applications
- Maintained up-to-date knowledge of program and investor guidelines
- Utilized DU/LP AUS systems for consistent decision-making.
Underwriter
SunTrust Bank
01.2016 - 01.2017
- Assessed Conventional loan applications and documents based on guidelines
- Consistently met SLAs and achieved high-quality ratings
- Adaptable to guideline changes with minimal error rate
- Proficient in DU/LP AUS systems; engaged in special projects
- Analyzed complex business returns, asset statements, liabilities, appraisals, and MI.
Underwriter
WJ Bradley Mortgage Capital
01.2014 - 01.2016
- Proficient in DU/LP AUS systems; effective communication of decisions
- Documented credit decisions thoroughly in both loan file and origination system
- Conducted manual underwriting and calculated W-2 and self-employment income.
Education
Business Degree - Business
Alameda High School
Colorado05.1991
Skills
- AUS Systems: DU/LP
- Quality Control
- Encompass and Empower System
- Income Calculation
- Appraisal Review
- Adaptability
- Time Management
- Excellent Communication
- Dependable and Responsible
- Self-Motivated
- Problem-Solving
- Analytical and Critical Thinking
- Data Entry
Timeline
Underwriter
Zions Mortgage
01.2020 - 10.2023
Underwriter
NewRez Mortgage
01.2018 - 01.2019
Underwriter
American Pacific Mortgage
01.2017 - 01.2018
Underwriter
SunTrust Bank
01.2016 - 01.2017
Underwriter
WJ Bradley Mortgage Capital
01.2014 - 01.2016
Business Degree - Business
Alameda High School
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