Tammy Cunningham
Simi Valley,CA
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Focused on mitigating company risks while making strategic decisions based on sound criteria as skilled Underwriter. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
12
12
years of professional experience
Work History
Retail Mortgage Underwriter
CMG Home Loans
04.2023 - 11.2023
- Researched and updated industry knowledge on changing legislation and regulations.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Reviewed and Approved Leasehold Estate Properties to meeting Investor requirements.
- Reviewed Self Employed borrowers Income per Company and industry polices for qualifying Income.
- Trust vesting review and approval.
Mortgage Underwriter
Homebridge Financial
05.2012 - 04.2023
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Reviewed and approved Leasehold Estate Properties.
- Reviewed Self Employed borrowers Income per Company and industry polices for qualifying Income
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
Education
High School Diploma -
Cambridge High School
Cambridge, MN1979
Skills
- Market Knowledge
- Underwriting guidelines
- Documentation Review
- Creditworthiness Determination
- Customer service-focused
- Income Evaluation
- Property Evaluation
- Residential mortgage lending regulations
Timeline
Retail Mortgage Underwriter
CMG Home Loans
04.2023 - 11.2023
Mortgage Underwriter
Homebridge Financial
05.2012 - 04.2023
High School Diploma -
Cambridge High School
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