Tanilla Ponder

Work History

Mortgage Underwriter

Truist Bank formerly SunTrust Bank

2016 - 2022

Experience underwriting Conventional and Non-QM, portfolio, and government loans
Possess thorough understanding of and ability to analyze Fannie, Freddie, and HUD underwriting guidelines, financial statements, and corporate and personal federal returns
Extensive experience analyzing complex assets and diversified income sources to calculate income
In depth knowledge of analyzing cash flows, various business structures and laws to determine status with IRS and state government
Several years' experience reviewing trusts and assessing title liens, subordinations, and other complex title issues such as UCC filings and searches
Over ten years evaluating financial soundness of businesses using balance sheets and income statements
Daily use of tax transcripts, personal and complex corporate returns to assess business and personal obligations to finalize and compute income
Peer coach to new onboarding entrants
Monitor activities and files of new underwriters to ensure sound underwriting practices
Refer any questionable practices of new underwriters in writing with a detailed plan of action and training recommendations to Underwriting Manager
Approved or denied loans based on established criteria and underwriting guidelines.
Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
Reviewed appraisals and title documents to verify accuracy and completeness.
Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
Support Underwriting Manager with team quality control findings research and cures
Liaison between Underwriting Manager and Underwriters with guideline interpretations and guidance, policy and procedure protocols, and systems procedures and navigation
Support Underwriting Manager and team with resolving mortgage insurance issues
Demonstrate excellent critical thinking skills in addition to strong written and verbal communication skills to decision loan applications and meeting closing deadlines.

Mortgage Underwriter

Highland Mortgage Group LLC

2013 - 2016

Underwrote government (FHA and USDA) and conventional loans according to investor guidelines and overlays
Constant review of HUD Handbook to update team of HUD policy and procedure changes
Examined loan documentation for accuracy and completeness
Examined residential property, assets, credit, and income documentation to render sound loan decisions per investor guidelines
Direct Endorsement underwriting review of residential property and appraisals, assets, and credit to determine credit worthiness of loan applicants to render credit decisions
Approved or denied loans based on established criteria and underwriting guidelines.
Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
Supported loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.

Mortgage Underwriter

Amerisave Mortgage Corporation

2010 - 2013

Approved or denied loans based on established criteria and underwriting guidelines.
Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Worked with processing team members to communicate errors and obtain missing information for current applications.
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.
Proactively identified solutions for customers experiencing credit issues.
Researched and updated industry knowledge on changing legislation and regulations.
Maintained mortgage program compliance with federal agencies such as Fannie and Freddie.

President/Owner

MarRay Financial Group, Inc

2005 - 2010

Originated third party conventional loans and multi-family projects
Managed seven loan officers, three processors, and day-to-day business operations.
Created and oversaw the compliance and continuing education requirements for entire office and staff to maintain good standing with Georgia Department of Banking and Finance, Georgia Office of Insurance and Safety Fire Insurance, and FINRA
Offered life insurance and a vast array of investment products and solutions.
Hired and managed employees to maximize productivity while training staff on best practices and protocols.
Increased customer satisfaction through continuous improvement initiatives and excellent customer service.
Enhanced company performance by implementing strategic plans and overseeing daily operations.
Prepared annual budget forecasts and monitored performance to meet organizational objectives.
Drove revenue growth by expanding product offerings and identifying new market opportunities.
Established a culture of accountability by setting clear expectations and holding individuals responsible for results.
Delivered operational excellence by optimizing resources, processes, and overall cost structure.
Led operational team in development, rollout, and management of new product lines.
Maintained P&L and shouldered corporate fiscal responsibility.

Summary

Overview

Work History

Mortgage Underwriter

Mortgage Underwriter

Mortgage Underwriter

President/Owner

Education

Bachelor of Arts, Political Science -

Bachelor of Business Administration

Skills

Certification

Work Availability

Timeline

Designations

Personal Information

References

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