Tammy Miles
Leonard,TX
Summary
Top-notch Underwriter with solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels.
Overview
28
28
years of professional experience
Work History
Underwriter
State Farm
08.2023 - Current
- Resolve agent inquiries and educate agents/agent staff on company policies and procedures
- Underwriting knowledge of boatowners, homeowners, rental properties, renter's insurance and personal articles.
Underwriter II
First International Bank
01.2022 - 03.2023
- Underwrite FHA, VA, USDA, MCC, community second/bond and Conventional loans to include credit, assets, appraisal, insurance, title and tax return reviews and clear conditions
- Self-employment income and rental reviews
- Proficient with Encompass
- Proficient with new construction documentation
- Partnered with loan officers and processors to provide excellent customer service
- Worked with multiple investors
- Reviewed loans for compliance with mortgage insurance requirements.
Underwriter
Cornerstone Mortgage
10.2021 - 12.2021
- Underwrite FHA, VA and Conventional loans to include credit, assets, and appraisal review, clear conditions, answer inquiries from loan officers and processors
- Review tax returns, title commitments and hazard insurance
- Proficient with new construction documentation
- Self-employment income and rental income reviews
- Manual government underwrites
- Reviewed loans for compliance with mortgage insurance requirements.
DE/SAR
Bank of America
09.2012 - 10.2021
- Underwrite FHA, VA and Conventional loans to include credit, assets, tax return and appraisal reviews
- Cleared loan conditions
- Manual FHA, VA and Conventional reviews
- MCC and community second/bond experience
- Review title commitments and insurance
- Self-employment and rental income reviews
- Proficient with new construction documentation
- Provide loan guidance to loan officers and processors, to include loan restructuring
- Mentored another underwriter who was testing for their DE and volunteered to complete VA collateral reviews for a high-volume team
- Some exposure to jumbo loans
- Reviewed loans for compliance with mortgage insurance requirements.
Underwriter
Capital One Mortgage
09.2011 - 07.2012
- Underwrite FHA and Conventional loans to include credit, assets, appraisal review, tax return review, and clearing conditions
- Self-employment and rental income reviews
- Provide guidance to loan officers and processors
- Manual loan underwrites
- Experience with Empower
- Review title commitments and insurance
- Reviewed loans for compliance with mortgage insurance requirements.
DE Underwriter
Trinet/KBA Mortgage/Bank of America
11.2008 - 09.2011
- Underwrite FHA and Conventional loans to include credit, assets, appraisal and tax return reviews and clear conditions
- Self-employment and rental income reviews
- Proficient with new construction documentation
- Manual FHA and Conventional underwriting
- Hired as a processor and promoted to underwriter
- Experience processing USDA loans
- Review title commitments and insurance
- Provide guidance to loan officers and processors
- Reviewed loans for compliance with mortgage insurance requirements.
FHA Processor
Nationstar Mortgage
03.2008 - 11.2008
- Process loans, coordinate closings, act as primary contact for Borrowers
- Obtain loan conditions and respond to underwriter requests.
Processor
CTX Mortgage
09.2004 - 03.2008
- Underwrite AUS accept loans of all types and Conventional appraisals
- Coordinate closings and obtain conditions
- Process bond loans and act as borrower point of contact
- Reviewed loans for compliance with mortgage insurance requirements.
QC Mortgage Underwriter
Advanced Financial Technology
09.2003 - 09.2004
- QC audits of closed loans for compliance with program guidelines
- Prepare findings for clients.
Processor
CTX Mortgage
10.2001 - 09.2003
- Underwrite AUS accept loans of all types and Conventional appraisals.
- Coordinate closings and obtain conditions.
- Process bond loans and act as borrower point of contact.
- Reviewed loans for compliance with mortgage insurance requirements.
QC Underwriter
Advanced Financial Technology
10.1995 - 08.2001
- QC audits of closed loans for compliance with program guidelines.
- Prepare findings for clients.
Education
Masters - Economics
University of Oklahoma
Bachelor of Science - Economics
University of Science and Arts of Oklahoma
Skills
- Customer Feedback
- Judgment and Decision-Making
- Communications
- Research/guideline compliance
- Conscientious and committed to adhering to standards, underwriting guidelines and authority levels
- Proficient in determining level of risk for lenders using strong mathematical and statistical skills
- Managing Risk
- Credit Analysis
- Quality Assurance
- Application Review
- Risk Assessment
Timeline
Underwriter
State Farm
08.2023 - Current
Underwriter II
First International Bank
01.2022 - 03.2023
Underwriter
Cornerstone Mortgage
10.2021 - 12.2021
DE/SAR
Bank of America
09.2012 - 10.2021
Underwriter
Capital One Mortgage
09.2011 - 07.2012
DE Underwriter
Trinet/KBA Mortgage/Bank of America
11.2008 - 09.2011
FHA Processor
Nationstar Mortgage
03.2008 - 11.2008
Processor
CTX Mortgage
09.2004 - 03.2008
QC Mortgage Underwriter
Advanced Financial Technology
09.2003 - 09.2004
Processor
CTX Mortgage
10.2001 - 09.2003
QC Underwriter
Advanced Financial Technology
10.1995 - 08.2001
Masters - Economics
University of Oklahoma
Bachelor of Science - Economics
University of Science and Arts of Oklahoma
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