Tamara Mcdermitt
Johnstown,OH
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
30
30
years of professional experience
Work History
Senior Loan Specialist
OneMain Financial
10.2022 - Current
- Submitted loan applications to underwriter for verification
- Examine customer loan applications for loan approvals and denials.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Processed loan applications and monitored progress from start to finish.
- Negotiated loan terms and conditions with customers to secure best deal.
- Developed strong relationships with customers through high levels of customer service.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Mortgage Underwriter, •FHA and Conventional Underwriter
Keller Mortgage
09.2019 - 05.2022
- Underwrite FHA, Conventional conforming, non-conforming loans through the paperless Encompass 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.
Mortgage Underwriter
T2 Financial
09.2018 - 09.2019
- FHA and Conventional Underwriter along with DPA OHFA assist loans
- Completed review of closed loans and fulfilled all HUD requirements after closing to get the loans insured
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- 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.
Mortgage Underwriter
Keller Mortgage
11.2017 - 09.2018
- 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.
Senior Mortgage Underwriter
Peoples Home Lending
11.2012 - 10.2017
- 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.
Education
High School Diploma - undefined
Mifflin High School
Skills
- Credit File Updating
- Financial History Analysis
- Customer Relations
- Automated Underwriting Systems
- Desktop Underwriter
- Property Evaluation
- Creditworthiness Determination
- Government Lending
- Credit History Review
- Tax Liability Calculation
- Loan Product Knowledge
- Application Reviews
- Government Standards
- Variance and Risk Analysis
- Eligibility Requirements
- Mortgage Lending Requirements
- Analytical and Critical Thinking
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The problem is not to find the answer; it’s to face the answer.
Terence McKenna
Timeline
Senior Loan Specialist
OneMain Financial
10.2022 - Current
Mortgage Underwriter, •FHA and Conventional Underwriter
Keller Mortgage
09.2019 - 05.2022
Mortgage Underwriter
T2 Financial
09.2018 - 09.2019
Mortgage Underwriter
Keller Mortgage
11.2017 - 09.2018
Senior Mortgage Underwriter
Peoples Home Lending
11.2012 - 10.2017
High School Diploma - undefined
Mifflin High School
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