Summary
Overview
Work History
Education
Skills
Timeline
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Tammy Sawyer

Ponte Vedra,FL

Summary

Over 20+ years in the mortgage industry. Consistently in the top 5 in production. Extensive product knowledge in Conventional, FHA and USDA.

Overview

11
11
years of professional experience

Work History

Senior Mortgage Underwriter

Loan Depot
07.2019 - Current
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status for Conventional, FHA and USDA
  • 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.

Mortgage Underwriter

TIAA Bank
05.2015 - 07.2019
  • 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.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Trained junior team members in underwriting procedures and loan quality grading standards.

Mortgage Underwriting Manager

Chase
01.2012 - 05.2015
  • Accomplished multiple tasks within established timeframes.
  • Onboarded new employees with training and new hire documentation.
  • Cross-trained existing employees to maximize team agility and performance.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Evaluated employees' strengths and assigned tasks based upon experience and training.
  • Adjusted job assignments and schedules to keep pace with dynamic business needs, factoring in processes, employee knowledge and customer demands.

Education

High School Diploma -

John Randolph Tucker High School
Richmond, VA
05.1980

Skills

  • Self employed Tax return analysis
  • Variance and Risk Analysis
  • Loan Product Knowledge
  • Application Reviews
  • Corporate Financial Statements
  • Strategic Financial Planning
  • Eligibility Requirements
  • Government Lending

Timeline

Senior Mortgage Underwriter

Loan Depot
07.2019 - Current

Mortgage Underwriter

TIAA Bank
05.2015 - 07.2019

Mortgage Underwriting Manager

Chase
01.2012 - 05.2015

High School Diploma -

John Randolph Tucker High School

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Tammy Sawyer