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
13
13
years of professional experience
Work History
Loan Analyst, Ops
Freedom Mortgage Corporation
Mount Laurel, New Jersey
06.2024 - Current
- Analyze borrower financial data to assess creditworthiness and mitigate risk.
- Review customer files for adherence to established underwriting guidelines.
- Conduct detailed reviews of financial statements and other credit documents for accuracy and completeness.
- Analyze borrower creditworthiness and financial histories.
- Review and verify borrowers' income, credit reports and property appraisals to prepare for final approval.
- Managed conditions sent from underwriting departments.
- Adhered strictly to company policies when completing tasks.
Senior Loan Specialist
OneMain Financial
Gahanna, OH
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 -
Mifflin High School
Columbus, OhioSkills
- Credit File Updating
- Financial History Analysis
- Customer Relations
- Automated Underwriting Systems
- Desktop Underwriter
- Property Evaluation
- Creditworthiness Determination
- Government Lending
- Collateral evaluation
- Loan processing
- Loan recovery
Education
Columbus, Ohio
Skills
- Credit History Review
- Tax Liability Calculation
- Loan Product Knowledge
- Application Reviews
Contact
Johnstown, OH 43085
Timeline
Loan Analyst, Ops
Freedom Mortgage Corporation
06.2024 - Current
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 -
Mifflin High School