Shanon Tavera
Anaheim,CA
Summary
Non-QM and DE Underwriter, Customer service driven, Underwriter with over 20 years of exposure to mortgage transactions. Demonstrated ability to lead, mentor and positively contribute towards the team goals with proven ability to effectively and efficiently multitask, in an effort to reach and exceed personal as well as company goals. Desire to exceed the expectations of the customer. Hard working, energetic and can adapt easily to any work environment.
Overview
24
24
years of professional experience
Work History
NON-QM Underwriter
HomeXpress Mortgage
Santa Ana, CA
09.2023 - Current
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
DE Underwriter
Kind Lending
06.2022 - Current
- FHA & Conventional UW
- Blue Sage
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility
- Improved relationship with Customers and provided exemplary service
- Investigate and assist with maintaining quality control
- Maintaining conditions, appraisal review
- Stayed abreast of lending regulations, industry trends and market rates.
DE Underwriter
PRMG
09.2021 - 06.2022
- FHA & Conventional Underwriter
- Stayed abreast of lending regulations, industry trends and market rates.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Improved relationship with Customers and provided exemplary service
- Investigate and assist with maintaining quality control
- Maintaining conditions, broker and loan officer support and reviewing appraisals
DE Underwriter/Team Lead
Stearns Lending
08.2012 - 09.2021
- Conventional and Fha Underwriter
- Team Lead
- Trainer for Jr. Underwriters to allow growth into Underwriter I role
- Delegated daily tasks to team members to optimize group productivity.
- Monitored team progress and enforced deadlines.
- Fostered positive employee relationships through communication, training and development coaching.
- Maintained compliance with company and regulatory policies.
Underwriter
MortgageIT, Inc., a Subsidiary of Deutsche Bank
10.2005 - 04.2007
- Conventional UW
- Risk evaluation/Credit analysis- LP & DU products
- Improved relationship with Customers and provided exemplary service
- Investigate and assist with maintaining quality control
- Maintaining conditions, broker and loan officer support and reviewing appraisals
Underwriter
Countrywide Home Loans
11.2000 - 09.2005
- Maintained compliance with company and regulatory policies.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Analyzed loan risk and reviewed loan conditions and requirements.
Education
High School Diploma -
Westminster High School
Westminster, CADE Certificate
2016
Skills
- Customer Service
- Credit History Review
- Data Entry
- Creditworthiness Determination
- Verbal and Written Communication
- Automated Underwriting System (AUS)
- Decision-Making
- Income Evaluation
- Attention to Detail
Timeline
NON-QM Underwriter
HomeXpress Mortgage
09.2023 - Current
DE Underwriter
Kind Lending
06.2022 - Current
DE Underwriter
PRMG
09.2021 - 06.2022
DE Underwriter/Team Lead
Stearns Lending
08.2012 - 09.2021
Underwriter
MortgageIT, Inc., a Subsidiary of Deutsche Bank
10.2005 - 04.2007
Underwriter
Countrywide Home Loans
11.2000 - 09.2005
High School Diploma -
Westminster High School
DE Certificate