Tamra Carter
Warren
Summary
Dynamic Senior Mortgage Underwriter with a proven track record at United Wholesale Mortgage, excelling in FNMA guidelines and risk assessment. Recognized for enhancing loan approval efficiency and mentoring peers. Strong decision-making and organizational skills drive compliance and client satisfaction in high-pressure environments. Committed to continuous improvement and delivering exceptional results.
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Senior Mortgage Underwriter
United Wholesale Mortgage
08.2023 - Current
- Evaluated loan applications for compliance with underwriting guidelines and risk assessment protocols.
- Analyzed borrower financial profiles to determine creditworthiness and mitigate risks effectively.
- Collaborated with loan officers to clarify documentation needs and expedite approval processes.
- Mentored junior underwriters on best practices for risk assessment and decision-making strategies.
- Implemented process improvements that enhanced turnaround times for loan approvals and increased efficiency.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Developed and maintained relationships with investors to drive compliance with guidelines.
Certified Loan Signing Agent
Self-employeed
02.2016 - Current
- Facilitated loan signing appointments, ensuring compliance with state and federal regulations.
- Executed accurate document preparation for mortgage closings and other financial transactions.
- Reviewed loan documents for completeness, identifying discrepancies and facilitating corrections.
- Educated clients on loan signing processes, enhancing understanding and reducing errors.
- Developed efficient workflows for managing multiple signing appointments, optimizing time management.
- Mentored new loan signing agents, providing training on best practices and regulatory requirements.
- Ensured compliance with industry regulations and guidelines during all phases of the loan signing process.
- Enhanced client satisfaction through timely and accurate completion of loan signings.
- Established trustworthiness as a Certified Loan Signing Agent through adherence to ethical standards.
Underwriting Assistant
Adecco
06.2014 - 01.2016
- Processed underwriting submissions, ensuring compliance with company guidelines and industry regulations.
- Assisted underwriters in evaluating risk factors and determining appropriate coverage options.
- Managed documentation for policy renewals, maintaining accurate records and timely updates.
- Collaborated with cross-functional teams to streamline communication and enhance workflow efficiency.
- Conducted data entry into underwriting systems, ensuring accuracy and consistency in policy information.
- Reviewed sales contracts, appraisals, titles and deeds to effectively underwrite real estate loans.
- Supported senior underwriters in evaluating complex applications, ensuring thorough analysis and accurate decision-making.
Mortgage Underwriter (VA Stream-Line)
Mortgage Investors Corporation
01.2009 - 05.2014
- Evaluated mortgage applications to determine eligibility and risk factors.
- Analyzed financial statements and credit reports for accuracy and completeness.
- Collaborated with loan officers to resolve underwriting issues efficiently.
- Implemented quality control measures to enhance compliance with regulatory standards.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Education
Business And Administration
Norfolk State University
Norfolk, Virginia, VA05-1990
Skills
- FNMA guidelines
- Strong decision-making
- Multitasking Abilities
- Reliability
- Excellent communication
- Organizational skills
- Microsoft office
- Oral and written comprehension
- Appraisal review
- Loan underwriting expertise
- Continuous improvement
- Debt-to-income ratio analysis
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Achieved #1 Underwriter by completing 119.05% of production being hit with accuracy and efficiency.
Certification
- Certified Loan Singing Agent Training
Timeline
Senior Mortgage Underwriter
United Wholesale Mortgage
08.2023 - Current
Certified Loan Signing Agent
Self-employeed
02.2016 - Current
Underwriting Assistant
Adecco
06.2014 - 01.2016
Mortgage Underwriter (VA Stream-Line)
Mortgage Investors Corporation
01.2009 - 05.2014
Business And Administration
Norfolk State University