Shayna Wickser
2911 Wainwright Ct, New Port Richey,Florida
Summary
Experienced Mortgage Loan professional with a focus in underwriting credit assessment, reviewing credit history data and finding appropriate solutions for deficiencies. Knowledgeable in federal, state & local guidelines in order to ensure agency compliance regulations are met. Now searching for another challenging position where I can continue to grow while using my skills for mutual success.
Overview
17
17
years of professional experience
Work History
Mortgage Underwriter
PennyMac Loan Services
Tampa, Florida
05.2024 - Current
- Evaluate loan applications for compliance with underwriting FNMA/FHLMC guidelines.
- Analyze credit reports to assess borrower risk levels.
- Reviewed property appraisals to determine value and eligibility.
- Used automated underwriting systems to enhance decision-making efficiency.
- Maintained up-to-date knowledge of industry regulations and best practices.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
Home Loan Specialist III
PennyMac Loan Services
Tampa, FL
08.2019 - Current
- Condo Subject Matter Expert
- Proficient at Condo and HOA analysis to ensure adherence to agency (FNMA, FHLMC, VA, FHA) and state guidelines
- Review and assess conditions uploaded for Non-delegated loans by external clients
- Perform complex data validation specifically targeting income, assets & liabilities
- Review of Appraisal & Title documentation for any deficiencies
- Ensure all agency (FNMA, FHLMC, FHA, VA & USDA) & state guidelines are met
- Communicate with underwriting and client management teams to ensure adherence to policy and procedures and request all necessary corrections/changes be made
- Approve loans that meet specifications for closing
- Peer training and team building
Home Loan Specialist II
PennyMac Loan Services
Tampa, FL
10.2015 - 08.2019
- Follow company and investor policy and procedure to cost-effectively assess the purchase/salability of loan files using pre-determined audit checklists.
- Ensure all loans purchased are in accordance with investor credit policies
- Complete an allotted number of loan files assigned daily to meet department and division service level agreements
- Trusted to complete special assignments that support business strategy
Foreclosure Specialist II
JPMorgan Chase Home Loans
Lewisville, TX
04.2011 - 10.2013
- Perform equity analysis on active foreclosure files
- Coordinate judgement figures with partnering attorneys
- Assisted attorney in title search operations and checked title issues in coordination with supervisor
- Approve or deny attorney title, litigation and overall foreclosure fee requests
- Proficient with foreclosure laws and guidelines in all 50 states
Foreclosure Specialist I Contractor
Bank Of America, Home Loans
Plano, TX
04.2009 - 01.2011
- Post sale operations for FHA, VA, CONV & MI Insured loans
- Prepared and transferred completed post sale Government claim files to book loss
- Work closely with government agencies to provide missing documentation on suspended claims
- Perform new hire training for the same
Education
Associate of Arts - Liberal Arts And General Studies
North Lake College
Irving, TXHigh School Diploma -
Flower Mound High School
Flower Mound, TXSkills
- Analytical
- Data Management
- Detail Oriented
- Maintain client relationships
- Ability to meet deadlines & change course in a moments notice
- Flexible
- Project Management
- Desktop Underwriter expert
- Knowledge of VA loan process
- Proficient in Adobe Acrobat Pro
- Experience with Microsoft products (Excel, outlook, teams, etc)
Awards
- We A.R.E (accountable, reliable, ethical) award from peers
- Quality/Accuracy award
- Top 5 production recognition
References
- Available upon request
Timeline
Mortgage Underwriter
PennyMac Loan Services
05.2024 - Current
Home Loan Specialist III
PennyMac Loan Services
08.2019 - Current
Home Loan Specialist II
PennyMac Loan Services
10.2015 - 08.2019
Foreclosure Specialist II
JPMorgan Chase Home Loans
04.2011 - 10.2013
Foreclosure Specialist I Contractor
Bank Of America, Home Loans
04.2009 - 01.2011
Associate of Arts - Liberal Arts And General Studies
North Lake College
High School Diploma -
Flower Mound High School