Tamara McDermitt

• FHA and Conventional Underwriter- Underwrite FHA, Conventional conforming, non-conforming loans through Encompass Under system.
• Verified integrity of applicants' information to minimize fraud.
• Ensures compliance with company policies and procedures while adhering to investor guidelines
• Utilizes FNMA/DU and FHLMC underwriting systems
• Analyze credit worthiness of the borrower to ensure guidelines are met to complete the loan decision in a very timely manner.
• Trained junior team members in underwriting procedures and loan quality grading standards.
• Consistently turning around applications quickly with firm approval or denial decisions.
• Monitored pipelines to track and log status of loans.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

DE Underwriter along with underwriting DPA /OHFA assist loans.

Completed review of closed loans to fulfill all HUD requirements after closing to get the loans insured

• Verified integrity of applicants' information to minimize fraud.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Monitored pipelines to track and log status of loans.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.

• Verified integrity of applicants' information to minimize fraud.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.

Underwriting conventional conforming, non-conforming loans through the paperless Encompass system.

• Maintained mortgage program compliance with federal agencies such as FHLMC and FNMA.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
• Verified integrity of applicants' information to minimize fraud.
• Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Trained junior team members in underwriting procedures and loan quality grading standards.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Monitored pipelines to track and log status of loans.