SHERRY GOODWIN
Underwriter
Las Vegas,NV
Summary
Self motivated energetic, efficient, and organized DE/Conventional Mortgage Underwriter with strong analytical and logic skills. Excellent communication skills, as well as engaging personality with the ability to put others at ease, quickly building relationships based on mutual trust and respect. I am experience in the art of multitasking with a strong eye for detail.
Overview
15
15
years of professional experience
Work History
Remote DE/Conventional Mortgage Underwriter
Security National Mortgage Comp
03.2015 - 09.2022
- Ensure loan submittals meet internal and external eligibility requirements.
- Experience in underwriting Freddie Mac and Fannie Mae loans.
- Demonstrate excellent follow through with loan processors, loan originators and management throughout all phases of the underwriting process.
- Leverage knowledge of loan products to help restructure turn-down loans for subsequent approvals.
- Underwrite conventional, Alt A, Single Family, Condo's, 2-4 units and income producing properties.
- Performed appraisal reviews and recommends additional requirements needed for risk to adhere company guidelines.
- Produced productivity and quality standards reports on junior level underwriters and provided second level reviews on complex files and credit exception.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Passionate about learning and committed to continual improvement.
- Worked effectively in fast-paced environments.
HECM Underwriter
AAG
02.2015 - 03.2015
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Made approval and denial recommendations by determining accurate risk levels.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Lead Conventional Underwriter
Citywide Home Loans
05.2011 - 04.2014
- Underwrote Government, Conventional, investor files; review includes completeness and accuracy of document review, income calculations, coding, and decisions.
- Enhanced loan application processing by efficiently reviewing and analyzing borrowers'' financial documents.
- Handle audits of previous underwriter approvals.
- Achieved consistent compliance with investor guidelines by rigorously adhering to established policies and procedures during the underwriting process.
- Maintained comprehensive knowledge of conventional underwriting guidelines, keeping up-to-date with industry changes and regulatory requirements.
- Supported training initiatives for new hires by providing subject matter expertise on conventional underwriting principles.
Underwriter
Stearns Lending
05.2009 - 03.2011
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Organized and detail-oriented with a strong work ethic.
- Proven ability to learn quickly and adapt to new situations.
- Approved or denied loans based on established criteria and underwriting guidelines.
Education
Certificate - General Office Services
Coastline Community College
Fountain Valley, CA1994
Skills
- Deep knowledge of FNMA, FHLMC and HUD guidelines
- Superior organization skills
- Maintains-Production and quality
- Goal Setting
- Professional Demeanor
- Debt-to-Income Ratios
- Residential mortgage lending regulations
- Problem-Solving
- Time management abilities
- Document Verification
- Analytical and Critical Thinking
Timeline
Remote DE/Conventional Mortgage Underwriter
Security National Mortgage Comp
03.2015 - 09.2022
HECM Underwriter
AAG
02.2015 - 03.2015
Lead Conventional Underwriter
Citywide Home Loans
05.2011 - 04.2014
Underwriter
Stearns Lending
05.2009 - 03.2011
Certificate - General Office Services
Coastline Community College
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