Susan Russell

I have over 30 years of customer service along with clerical work. I have spent the last 15 years as an experienced Mortgage professional with over 15 years in the Mortgage Industry and 3 years underwriting Conventional and FHA Loans. In addition to Underwriting my mortgage history consists of Processing FHA/VA, Conventional loans, with experience and skills to draw loan documents.

• Underwriter, Envoy Mortgage, Houston, TX, 01/01/20, 12/31/22, Underwriter for Conventional and FHA Loans., Reviewed Appraisals, credit report, tax returns, paystub, bank statements, and title reports. All documents that are required for home loan., Communicated with stakeholders such as Branch Managers, Loan Officers, Loan Processors, Center Managers and Team leads on progress of loan., Conducted comprehensive analysis and evaluated risk to control underwriting loss., Demonstrate the highest level of professionalism and customer service towards all clients.
• Assistant Loan Officer/Loan Processor, Golden Empire Mortgage, Victorville, CA, 01/01/14, 12/31/20, Assist the Branch Manager with opening loan files and contacting clients for conditions that are needed for the loan file., Responsible for reviewing financial statements, credit reports, paystubs, and tax returns., Knowledgeable about FNMA and FHLMC guidelines., Maintain excellent client customer service throughout the loan process to assure the client's loan process goes as smoothly as possible.
• Underwriter II, Wells Fargo Home Mortgage, Englewood, CO, 01/01/12, 12/31/13, Evaluating and ensuring overall loan documents are accurate, complete, and compliant., Reviewing of financial statements, credit reports, applicable ratios (i.e., Debt ratios, loan-to-value), and other supporting documentation., Using an automated scoring system or traditional underwriting to determine the acceptability of moderate requests. - Contacting customers and partners to gather information to make appropriate decisions and explain the rationale behind credit decisions., Staying abreast of any changes in underwriting provisions., Working with production to resolve questions when possible.
• Sr. Loan Processor, Golden Empire Mortgage, Victorville, CA, 01/01/03, 12/31/12, Responsible for reviewing financial statements, credit reports, paystubs, tax returns, and applicable ratios (i.e., debt ratios, loan-to-value), reviewing and signing off conditions, FHA, VA, and Conventional Loans. I am knowledgeable about FNMA and FHLMC guideline