Highly skilled and experienced mortgage underwriter seeking full-time employment where I can demonstrate my strong customer service and analytical skills. I bring over 25 years of experience in retail and wholesale as well as a history of being a high producer with exceptional loan quality. I have had the FHA DE since 1998 and the VA SAR since 1999.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Mid America Mortgage / Click N Close
Lisle, IL
01.2017 - Current
Remote Wholesale Underwriter specializing in FHA, VA and One Time Close Construction loans
Participated in developing guidelines for financing newly introduced manufactured home types
Facilitated loan structuring for brokers and Account Executives in FHA & VA scenarios
Routinely outperformed set standards for customer service turnaround times
Underwrote AUS Refer loans proficiently
Senior Underwriter
Skyline Home Loans
San Diego, CA
01.2012 - 01.2017
Remote Wholesale Underwriter specializing in FHA, VA, USDA, Jumbo and Conventional loans
Specialized in loans in CA, OR, WA and HI
Exceeded required monthly file underwriting goal by at least 2x routinely
DE Mortgage Underwriter
Home Savings of America
Little Falls, MN
01.2009 - 01.2012
Remote Wholesale and Retail Underwriter of FHA, VA, USDA and Conventional loans
Improved file flow process from submission to clear to close
Assisted in getting lender VA approved
DE Mortgage Underwriter
Taylor, Bean, & Whitaker
Cincinnati, OH
01.2007 - 01.2009
Wholesale Underwriter of special investor, conventional, USDA, FHA and VA loans
Assisted in special projects designed to streamline the loan review process
Exceeded required monthly file underwriting goal by at least 2x routinely
Underwriting Team Lead/Manager
Washington Mutual Bank, F.A.
Springdale, OH
10.2004 - 04.2007
Supervise and mentor a staff consisting of 8 to 10 underwriters and validators insuring adherence to Washington Mutual policies, procedures and underwriting guidelines
Perform second opportunity reviews and second signatures for declines, counters and loan exceptions outside underwriters lending authority
Answer scenario questions from account managers, brokers and staff
Assist Senior Underwriting Manager with monthly bonus reporting, performance reviews on staff under disciplinary action, file distribution and CRO reconciliation
Resolve disputes between staff and account managers on files in process
Individual underwriting authority of $3,000,000, $5,000,000 aggregate
Assigned high level exception authority for FICO score, LTV, cash out, reserves, debt ratio, entity/trust vesting and collateral
Review high level loan transactions including, but not limited to, loans requiring second signature, entity vesting, loans identified as having exceptions to program parameters and loans that fall within the second opportunity review process
Evaluate loan files underwritten by newly hired or existing credit approvers for potential modifications to their lending authority level
Interact with mortgage brokers, realtors and external customers to clarify information and negotiate changes to complex loan transactions
Identify potential issues relating to policy, process and technology and make recommendations for improvements to CRT manager