Stephanie Byrom
Huntsville,AL
Summary
Highly skilled and seasoned mortgage underwriter with over 10 years experience in underwriting FHA, USDA, VA, and Conventional loans.
Overview
16
16
years of professional experience
Work History
Senior Underwriter
Amres Corporation
Trevose, PA
09.2023 - Current
- Analyze applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
- Evaluate mortgage loan risk based on sound underwriting decisions.
- Review titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Evaluate loans against portfolio and investor guidelines.
- Uses knowledge of guidelines to answer scenario questions for the scenario desk.
Contract Processor
Pulse Processing
Detriot, MI
05.2023 - 09.2023
- Determine loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Obtain and verify clearance of underwriting conditions to prepare loan file for submission and approval.
- Communicate with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Complete closing process by collaborating with attorneys, title companies and government clerks.
Senior Mortgage Underwriter
Summit Funding, Inc.
Sacramento, CA
11/9/20 - 09.2022
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Gained extensive knowledge of Encompass.
Senior Mortgage Underwriter
Hometown Lenders, Inc.
Huntsville, AL
06.2019 - 10.2020
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- Evaluated mortgage loan risk based on sound underwriting decisions.
- Maintained compliance with company and regulatory policies.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
Mortgage Underwriter
Platinum Mortgage Inc. - Madison
Madison, AL
07.2012 - 10.2018
- Gained extensive experience in underwriting FHA, USDA, VA, and Conventional loans.
- Analized credit, income, and collateral and approved or denied based on assessment of risk in compliance with policies and guidelines.
- Communicated efficiently and effectively with loan processors, loan originators, and management to ensure a smooth loan process.
- Conducted efficient pipeline management while maintaining optimum underwriting quality
- Worked in a team environment to make sure that all work related goals and timelines were met.
Wholesale Loan Coordinator
Platinum Mortgage Inc. - Madison
Madison, AL
01.2010 - 07.2012
- Reviewed conditions and communicated with brokers and account executives to request additional information if needed .
- Coordinated with the underwriting and closing departments to ensure a smooth closing date.
- Primary contact between broker and underwriting department and followed up daily with brokers on files in process.
Wholesale Loan Setup
Platinum Mortgage Inc. - Madison
Madison, AL
06.2009 - 01.2010
- Responsibilities included data entry and ensuring loan packages are accurately received with all correct documentation before submitting to underwriting.
- Gained extensive knowledge using mortgage software such as Mortgage Builder and BlitzDocs.
Education
Marketing
Jacksonville State University
Jacksonville, AL2008
High School Diploma -
Huntsville High School
Huntsville, AL2002
Skills
- Meticulous attention to detail
- Very good knowledge of mortgage credit processing and underwriting
- Proven ability to perform quality work while maintaining productivity and compliance standards
- Highly experienced in providing exemplary customer service
- Excellent verbal and written communication skills
- Team player
- Innovative problem solver
- Excellent time management skills
- Extensive experience with several down payment assistance programs and guidelines
- Certified DE Underwriter-CHUMS ID# GE19
- VA Lender's Staff Appraisal Reviewer-SAR ID# 020197
- NMLS ID# 2489928
Timeline
Senior Underwriter
Amres Corporation
09.2023 - Current
Contract Processor
Pulse Processing
05.2023 - 09.2023
Senior Mortgage Underwriter
Hometown Lenders, Inc.
06.2019 - 10.2020
Mortgage Underwriter
Platinum Mortgage Inc. - Madison
07.2012 - 10.2018
Wholesale Loan Coordinator
Platinum Mortgage Inc. - Madison
01.2010 - 07.2012
Wholesale Loan Setup
Platinum Mortgage Inc. - Madison
06.2009 - 01.2010
Senior Mortgage Underwriter
Summit Funding, Inc.
11/9/20 - 09.2022
Marketing
Jacksonville State University
High School Diploma -
Huntsville High School
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