Tanya Huston
Henderson,NV
Your smile is your logo, your personality is your business card, and the way you make people feel is your trademark.
Jay Danzie
Summary
Seasoned professional leveraging a wealth of successful achievements in serving as a knowledgeable FHA/VA/CONV/BOND Underwriter with senior-level leadership experience in residential loans.
Offer a competitive edge with superior credentials in conjunction with a quantifiable record of accomplishments in frontline underwriting with an emphasis on risk assessment and mitigation.
Thrive under high-pressure, fast-paced, and demanding environments with a calm demeanor, assertiveness, and superior levels of efficient production.
Strong communication skills which help bring a TEAM attitude to all.
A dependable candidate who is successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
To seek and maintain a full-time position that offers professional challenges utilizing interpersonal skills, and excellent problem-solving skills.
Overview
33
33
years of professional experience
Work History
FHA/VA/CONV UNDERWRITER IV
Paramount Residential Mortgage Group - PRMG
11.2022 - 02.2023
- Conducted detailed assessments of mortgage loan applications and a high volume of supporting documentation with attention to detail.
- Demonstrated in-depth and hands-on knowledge of BOND, FHA, Freddie Mac, and Fannie Mae program guidelines as determined by Single Family Seller and Servicer guides.
- Worked with loan officer assistant and processing team members to communicate errors and obtain missing information for current applications.
- Provided strategic feedback and recommendations from a purchasing perspective on all loan file reviews.
- Communicated lending decisions to parties as defined by company procedures.
- Enforced compliance with company and secondary market investor standards, regulations, and requirements including FHA/HUD and Agency guidelines.
- Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.
- Negotiated and communicated with loan officers, loan officer assistants, and processors to reach satisfactory loan terms.
FHA/CONV UNDERWRITER III
Finance Of America Mortgage
06.2019 - 11.2022
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Determined and documented loan conditions and communicated requirements and decisions.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Built strong relationships with loan officers, loan officer assistants, and processors, to maximize individual Team Effort.
- Known for bridging the gap between operations and production.
- Team player.
SENIOR FHA/VA/CONV UNDERWRITER
Golden Empire Mortgage
01.2015 - 12.2018
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.
- Monitored pipelines to track and log status of loans.
SENIOR FHA/VA/CONV UNDERWRITER
Sovereign Lending Group
01.2014 - 12.2014
SENIOR FHA/CONV UNDERWRITER
Academy Mortgage Corporation
01.2012 - 12.2013
FHA/VA/CONV UNDERWRITING MANAGER
Tri-Emerald Financial
09.2009 - 12.2012
FHA/CONV UNDERWRITING MANAGER
GotMortgage
01.2011 - 01.2012
BRANCH MANAGER/Branch Underwriting Manager
Integrity Funding Group
01.1999 - 06.2009
UNDERWRITER/PROCESSING MANAGER/PROCESSOR
Various Lenders
09.1989 - 01.2009
Education
No Degree - SAR ID
2018
No Degree - FHA CHUMS
1998
Skills
- Computer literate in various LOS systems and Document management systems
- Various AUS
- In-depth Income Analysis
- Loan Restructuring
- Variance and Risk Analysis
- Active Listening
- Analytical and Critical Thinking
- Creative Solutions
- Oral and Written Comprehension
- Program Requirements
- Fraud Prevention and Detection
- Government Lending
- Strategic Decision-Making
- Training Junior Team Members
- Strategic Risk Management
- Operational Efficiency
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
FHA/VA/CONV UNDERWRITER IV - Paramount Residential Mortgage Group - PRMG
11.2022 - 02.2023
FHA/CONV UNDERWRITER III - Finance Of America Mortgage
06.2019 - 11.2022
SENIOR FHA/VA/CONV UNDERWRITER - Golden Empire Mortgage
01.2015 - 12.2018
SENIOR FHA/VA/CONV UNDERWRITER - Sovereign Lending Group
01.2014 - 12.2014
SENIOR FHA/CONV UNDERWRITER - Academy Mortgage Corporation
01.2012 - 12.2013
FHA/CONV UNDERWRITING MANAGER - GotMortgage
01.2011 - 01.2012
FHA/VA/CONV UNDERWRITING MANAGER - Tri-Emerald Financial
09.2009 - 12.2012
BRANCH MANAGER/Branch Underwriting Manager - Integrity Funding Group
01.1999 - 06.2009
UNDERWRITER/PROCESSING MANAGER/PROCESSOR - Various Lenders
09.1989 - 01.2009
Veterans Administration - No Degree, SAR ID
Federal Housing Administration - No Degree, FHA CHUMS
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