Hi, I’m
Sheri Deep
Underwriter
Georgia
Summary
Mortgage, Commercial & Consumer Loan Underwriter
Specializing in Risk Assessment – Income/Credit Analysis – Pipeline Management - Sales Team - Customer Service
Finance Professional with extensive background in executing underwriting decisions and delivering superior customer service while ensuring high-level integrity of loan files across financial sectors. Highly proficient in overseeing operations, working closely with sales teams, ensuring document accuracy and applying critical decision-making skills to resolve complex issues. Skilled in coaching and mentoring teams, improving efficiency and ensuring compliance. A goal-driven dedicated producer who meets and exceeds sales goals with a strong work ethic and ongoing commitment to customer service.
Overview
18
years of professional experience
1
Certification
Work History
Walton County SchoolsLoganville, GA
HIGH SCHOOL TEACHER
Job overview
- Helped students develop important learning skills and good study habits useful in trade school or college education.
- Created engaging lesson plans, fostered culture of discovery and provided well-organized classroom structure to help students succeed in program.
- Developed communicative relationships with students and parents to support learning.
- Established and communicated clear objectives for all educational activities.
- Planned, developed, and executed lessons reflecting high school curriculum and core educational standards.
The Commercial BankAthens, Georgia
COMMERCIAL UNDERWRITER/ CREDIT ANALYST
12.2022 - Current
Job overview
- Conduct financial analysis and ascertain creditworthiness for customers and businesses seeking loans
- Analyze financial data and assess risk for portfolio of loans, including unsecured personal loans, helocs, bridge loans, construction, land purchase, second mortgages, 5/1 arms, auto loans, refinances, and loans for purchase of primary residences or second homes
- Enjoy working closely with the sales team.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Gained extensive knowledge in data entry, analysis and reporting.
- Passionate about learning and committed to continual improvement.
Fairway Independent Mortgage CorporationMadison, Wisconsin
MORTGAGE UNDERWRITER
08.2020 - 08.2022
Job overview
- Analyzed, evaluated and processed conforming and non-conforming mortgage loan applications, including
- Freddie Mac, FHA and Fannie Mae; oversaw risk assessment, income/credit analysis and documentation
- Identified signs of fraud with thorough review of loan documentation and vendor reports
- Implemented underwriting policies and procedures & determined over 60 loans per month
- Worked with the sales team & Increased revenue by providing excellent customer service throughout the loan process that served our customers, team members & local communities
- Maintained regular collaboration and communication with 20+ loan originators to build relationships
- Implemented the following core values of the company
- Humility First
- Foster growth & knowledge
- Have fun
- Create an amazing experience
- Speed to respond
- Seek Wise Counsel
- Respect, listen, stay balanced
- Committed to serve
- Consistent, honest communication
- Family Focused
- Be kind, humble, & give !00% everyday, Approved or rejected loans based on information found during review of applications and documentation; estimated creditworthiness and calculated repayment risk
- Established credit terms, pricing and conditions used during the application approval process
- Created business relationships with brokers and customers providing excellent service and communication
- Earned Direct Endorsement Certification to enable underwriting of government loans
- Recognized for meticulous attention to detail and smooth transition when moving from sales to operations position.
- Proven ability to learn quickly and adapt to new situations.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Cultivated interpersonal skills by building positive relationships with others.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Self-motivated, with a strong sense of personal responsibility.
- Excellent communication skills, both verbal and written.
- Worked well in a team setting, providing support and guidance.
- Paid attention to detail while completing assignments.
D.R. HortonAustin, Texas
MORTGAGE UNDERWRITER
01.2018 - 12.2019
Job overview
- Gathered pertinent information regarding the borrower and made sound decisions regarding eligibility for loan or decisions regarding approving or rejecting loan
- Implemented new platforms which ensured the success of remote underwriting, including One Note, Encompass, Work Day and investor guidelines
- Conducted underwriting of manual loans and validated automated findings on government loans
- Handled minimum of 100 loans per month; managed pipeline and prioritized rush files, collateral underwriter conditions and newly submitted loans and consistently met required deadlines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Homebridge FinancialAtlanta, Georgia
MORTGAGE UNDERWRITER
01.2016 - 01.2017
Job overview
- Determined if loan would be accepted, altered or rejected by reviewing records and risk assessment studies; prepared detailed reports of findings to be used in the final decision regarding the loan
- Completed & reviewed mortgage application paperwork for accuracy
- Analyzed applicant's credit history and financial information to assess eligibility
- Answered inquiries from the sales team & created business relationships
- Escalated any issues that required managerial approval.
Brand Mortgage Group LLCLawrenceville, GA
DE Mortgage Underwriter
04.2013 - 10.2016
Job overview
- Excellent communication skills, both verbal and written.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Cultivated interpersonal skills by building positive relationships with others.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Brand Mortgage Group LLCLawrenceville,, GA
Mortgage Loan Originator
01.2006 - 01.2016
Job overview
- Explained different types of loans pertaining to client situations.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Checked loan documents for accuracy prior to closing.
- Participated in industry events and conferences to build relationships and gain market intelligence.
Education
University of West Georgia
BACHELOR OF ARTS from Psychology, Sociology
University Overview
Georgia Banking Association
Certification from Finance
01.2024 - 03.2024
University Overview
- Continuing education in Personal and Business Cash Flow Analysis.
Capstone Institute of Mortgage Finance
Certificate from Mortgage Finance
University Overview
Skills
- Technical Microsoft Word, PowerPoint, Excel , Windows , Encompass, Sharepoint
- Verbal and Written Communication
- Data Analysis
- Underwriting
Certification
Portfolio Management I Credit , Income, & Financial Analysis I Risk Assessment I Fraud Identification I Audits | Report & Contract Writing I Regulatory Compliance I Analytical Skills I Surpassing Sales Goals Business Development I Process Improvement I Collaboration I Time Management I Negotiation | Interpersonal Skills I Emotional Intelligence I Creative Problem-Solving I Flexibility & Adaptability | | Cash Flow Analysis | Detail Oriented | Pipeline Management | Empathy | Product Knowledge | Prospecting
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Georgia Banking Association
Certification from Finance
01.2024 - 03.2024
COMMERCIAL UNDERWRITER/ CREDIT ANALYST
The Commercial Bank
12.2022 - Current
MORTGAGE UNDERWRITER
Fairway Independent Mortgage Corporation
08.2020 - 08.2022
MORTGAGE UNDERWRITER
D.R. Horton
01.2018 - 12.2019
MORTGAGE UNDERWRITER
Homebridge Financial
01.2016 - 01.2017
DE Mortgage Underwriter
Brand Mortgage Group LLC
04.2013 - 10.2016
Mortgage Loan Originator
Brand Mortgage Group LLC
01.2006 - 01.2016
HIGH SCHOOL TEACHER
Walton County Schools
University of West Georgia
BACHELOR OF ARTS from Psychology, Sociology
Capstone Institute of Mortgage Finance
Certificate from Mortgage Finance
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