Stephanie Neill
Canton,MI
Summary
Results-driven underwriting professional with solid background in risk assessment and financial analysis. Known for strong collaboration skills and commitment to achieving high-quality results. With over 15 years in the industry, effective at adapting to evolving market conditions and utilizing analytical tools to support decision-making. Experience in adhering to compliance standards and guidelines, including FHLMC, FNMA, FHA, Jumbo and non-QM regulations.
Overview
7
7
years of professional experience
Work History
Sr Underwriter
PennyMac
Remote
12.2025 - Current
- Evaluated non-delegated loan applications to determine creditworthiness and risk exposure for conventional and FHA, manual underwrites within Encompass
- Analyzed borrower financial documents, property appraisals & disclosures to ensure compliance with underwriting guidelines
- Maintained up-to-date knowledge of industry regulations and market trends
- Streamlined underwriting processes for increased efficiency and faster turnaround times, including building and maintaining checklists.
- Exceeded production and qualify company, team and self-driven goals
- Mentored and participated in training of junior underwriters, fostering their professional growth and enhancing team performance.
Sr Underwriter
A&N Mortgage
Remote
01.2020 - 12.2025
- Conducted comprehensive reviews of income, assets, credit, collateral and appraisal documentation for FHA, Conventional, Jumbo, Non-QM and manual underwrites within Calyx Point
- Ensured adherence to guidelines and overlays, mitigating risk and maintaining compliance
- Collaborated with team members to streamline the underwriting process and improve efficiency
- Proactively sought out and implemented process improvements
- Successfully underwrote, exceeding performance and production goals, through efficient workflow management, time management
Sr Underwriter
One American
Remote
01.2020 - 12.2022
- Conducted thorough reviews of financial and property documentation for Conventional and Jumbo underwrites within Encompass
- Ensured compliance with guidelines and overlays, mitigating risk
- Collaborated with loan officers and processors to resolve complex underwriting issues
Skills
- Encompass and Calyx Point
- AUS/Freddie Mac LP/Fannie Mae DU
- Overall industry experience: loan officer, title, processor, underwriter
- Conventional underwriting: 10 years
- FHA underwriting: 5 years
- Jumbo underwriting: 4 years
- Non-QM underwriting: 4 years
- Manual underwriting: 4 years
- Delegated and Non-Delegated, wholesale and retail
- DE Certification
- Decision making and risk management
- URLA loan application review
- Attention to Detail
- Adaptability and flexibility
- Communication and relationship development
- Training, team building and interpersonal communication
- Topic-Specific and big picture loan analysis
- Extensive knowledge of guidelines and ability to read and understand overlays
- Time management and efficiency
- Compliance, risk assessment and analysis
- Title, appraisal, credit, income, asset analysis
Timeline
Sr Underwriter
PennyMac
12.2025 - Current
Sr Underwriter
A&N Mortgage
01.2020 - 12.2025
Sr Underwriter
One American
01.2020 - 12.2022