Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Tabitha Starkey

Yulee,FL

Summary

With 17+ years of underwriting experience, I possess a deep understanding of the industry and its complexities. Additionally, I have 3 years of experience training new hires on business tax returns and complex income calculations, demonstrating my ability to effectively communicate intricate concepts. As a senior mortgage underwriter, I consistently showcase my innovative and strategic thinking skills by analyzing large volumes of information and identifying key points of interest. My enthusiasm and reliability enable me to efficiently manage multiple tasks while achieving organizational goals. With excellent interpersonal and communication skills, I collaborate effectively with diverse teams and individuals at all levels.

Overview

15
15
years of professional experience
1
1
Certification

Work History

Financial Services Representative

Merrill Edge / Bank of America
06.2024 - Current
  • Provided excellent customer service, resolving issues quickly and maintaining long-term client relationships.
  • Maintained up-to-date knowledge of industry regulations, trends, and best practices to provide informed advice to clients.
  • Enhanced customer relationships with personalized service and addressing individual concerns promptly.
  • Collaborated with team members to achieve sales targets and improve overall branch performance.
  • Worked closely with other departments to provide seamless service delivery for complex client requests.

Mortgage Consultant

Self-employeed
04.2021 - Current
  • Continuously updated knowledge of market trends and lending guidelines, staying ahead in the competitive mortgage industry.
  • Developed strong relationships with real estate agents, fostering referrals and expanding business opportunities.
  • Developed marketing strategies targeting specific demographics within local communities leading to increased brand awareness among potential clients.
  • Streamlined loan application processes for faster approvals and more efficient service to clients.

Sr. Mortgage Underwriter

Acra Lending
03.2021 - 05.2022
  • Interpret and provide appropriate loan solutions for Non-QM/Non-Agency loan requests
  • Performed in-depth analysis of personal income tax and business tax returns on self-employed borrowers and multiple financed investment properties
  • Manually underwrite Non-QM mortgage loan files
  • Analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Citadel/Acra Servicing policies and guidelines
  • Assist Processors / Loan Officers in understanding underwriting decision and conditions
  • Review collateral documents Title, Insurance, Stock Agreement, Lease, etc
  • For completeness and accuracy
  • Review, condition and decision manually underwritten loans
  • Obtain Pricing based on stability of the loan
  • Review and decision Foreign National, Non-Permanent Resident and Permanent Resident Alien files for accuracy and salability
  • Measure multiple events in an applicant's file and review application contingencies to quantify associated risk
  • Review Trust and Entity documents for vesting
  • Exercise judgment to determine correct items to request from applicants and to make accurate credit decisions
  • Counteroffer when necessary
  • Perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues

Sr. Mortgage Underwriter III

UBS Mortgage
02.2020 - 11.2020
  • Company Overview: (Contract)
  • Underwrite and apply needed conditions to mortgage applications to assure the borrower meets program/product specifications
  • Communicate the decision (approval, suspense, denial) to the Loan Officer and Processor
  • Evaluated the risk of residential mortgage loans on a timely basis based on sound underwriting decisions
  • Review and decision credit, income, asset, and property documentation on designated loans for compliance investor guidelines and clearing conditions as applicable
  • Specialized in underwriting jumbo mortgages of up to $10 million for high net worth and complex clients
  • Complex income specialist, review and analyze corporate (S and C) and partnership tax returns and financial statements to calculate qualifying income
  • Performed in-depth analysis of personal income tax and business tax returns on self-employed borrowers and multiple financed investment properties
  • Prepared detailed reports to present analysis of client creditworthiness to the Bank's credit committee
  • Reviewed credit reports to determine approval eligibility
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant
  • Identify and clear red flags or Alerts
  • Assist Processors / Loan Officers in understanding underwriting decision and conditions
  • (Contract)

Sr. Mortgage Underwriter

PNC Mortgage
05.2016 - 01.2020
  • Assist in identifying or recommending alternative loan solutions
  • Review Agency/Investor exception requests as needed to ensure a sellable loan package
  • Adequately and effectively explain in written and verbal form the decision reached, in a manner that will maintain a positive relationship with all customers
  • Analyzed appraisals to ensure file accuracy and verify property details
  • Review Condo/PUD projects to ensure they meet salable or non-warrantable guidelines
  • Use independent judgment to identify risks then mitigate and prepare offerings by analyzing credit, collateral strength, and financial worthiness of loan transaction parties
  • Subject Matter Expert for Super Conforming, Jumbo and Portfolio loans
  • Lending authority of $2,000,000
  • Perform complex income / tax return analysis
  • SME for complex income
  • Proactively manage assigned pipeline
  • Conduct new hire training to provide better understanding of Self-Employed tax returns and Complex income

Sr. Mortgage Underwriter

Digital Risk Mortgage Services
12.2014 - 05.2016
  • Analyze borrower information, business financial statements, credit bureau, collateral, etc
  • To determine credit worthiness and assign appropriate credit terms and limits
  • Extensive appraisal review
  • Performed in-depth analysis of personal income tax and business tax returns on self-employed borrowers and multiple financed investment properties
  • Reviewed credit reports to determine approval eligibility
  • Evaluate and ensure overall loan documents are accurate, complete, and compliant
  • Identify and clear red flags or Alerts
  • Assist Processors / Loan Officers in understanding underwriting decision and conditions
  • Trained new hires on all aspects of the position, ensuring consistency in underwriting methods throughout the site
  • Obtained NMLS license
  • NMLS # 1399762

Exception Underwriter

Chase
02.2013 - 12.2014
  • Prepared detailed reports to present analysis of client creditworthiness to the Bank's credit committee
  • Specialized in underwriting jumbo mortgages of up to $10 million for high net worth and complex clients
  • Complex income specialist, review and analyze corporate (S and C) and partnership tax returns and financial statements to calculate qualifying income
  • Review collateral documents Title, Insurance, Stock Agreement, Lease, etc
  • For completeness and accuracy
  • Perform detailed analysis and review of appraisal to determine acceptability of security for loan programs
  • Communicate each credit decision to the branch personal and Sr
  • Management
  • Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approval
  • Restructured and provided counteroffers as needed based on qualification data
  • Provided meticulous attention to detail in underwriting, gathering data and following all State and Federal Legislation and Regulations
  • Provide training and support for branch managers and the operation department
  • Demonstrate leadership qualities in a team atmosphere, while working in high volume, high pressure, and time sensitive environment

Credit Risk Analyst III

PHH Mortgage
11.2009 - 02.2013
  • Underwrite and apply needed conditions to mortgage applications to assure the borrower meets program/product specifications
  • Communicate the decision (approval, suspense, denial) to the appropriate individual within PHH
  • Evaluated the risk of residential mortgage loans on a timely basis based on sound underwriting decisions
  • Review and decision credit, income, asset, and property documentation on designated loans for compliance investor guidelines and clearing conditions as applicable
  • Lending Authority for loans up to $3,000,000
  • Identify and work through alternatives with higher level Underwriter or Supervisor for loans that fall outside of guidelines
  • Demonstrate the ability to translate underwriting guidelines with application of mitigating factors, when applicable, to ensure proper salability to investors
  • Communicate both in writing and orally with third party stakeholders and clients as needed
  • Review low risk flags from data alerts to clear variances
  • Consistently meet established productivity and quality measurements on a consistent basis

Education

Certificate - Accounting

Florida State College Jacksonville
Jacksonville, FL
12.2015

Skills

  • Credit Analysis
  • Underwriting
  • Financial Analysis
  • Cash handling
  • Tax Experience

Certification

NMLS, 1399762, 05/01/19, 12/31/26

Timeline

Financial Services Representative

Merrill Edge / Bank of America
06.2024 - Current

Mortgage Consultant

Self-employeed
04.2021 - Current

Sr. Mortgage Underwriter

Acra Lending
03.2021 - 05.2022

Sr. Mortgage Underwriter III

UBS Mortgage
02.2020 - 11.2020

Sr. Mortgage Underwriter

PNC Mortgage
05.2016 - 01.2020

Sr. Mortgage Underwriter

Digital Risk Mortgage Services
12.2014 - 05.2016

Exception Underwriter

Chase
02.2013 - 12.2014

Credit Risk Analyst III

PHH Mortgage
11.2009 - 02.2013

Certificate - Accounting

Florida State College Jacksonville
Tabitha Starkey