Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Underwriter
International City Mortgage, INC DBA Genhome
12.2022 - 02.2024
Reviewed and analyzed loan applications for completeness and accuracy.
Assessed risk levels associated with each loan application based on established criteria.
Calculated debt-to-income ratios to ensure compliance with industry standards.
Verified employment history and income of applicants.
Evaluated collateral properties to assess market value.
Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
Consulted with other departments regarding complex loan applications.
Prepared detailed underwriting reports for management review.
Determined whether or not to approve or deny a loan application in accordance with company guidelines.
Identified potential issues related to title, appraisals, insurance coverage.
Conducted due diligence reviews of loans prior to closing.
Issued clear written conditions for approval of mortgage loans.
Interpreted results from automated underwriting systems.
Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
Researched historical data related to property values in order to evaluate potential risks associated with a loan request.
Participated in professional development activities such as webinars and seminars.
Collaborated with cross-functional teams on special projects involving underwriting initiatives.
Analyzed loan risk and reviewed loan conditions and requirements.
Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
Maintained compliance with company and regulatory policies.
Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
Evaluated loans against portfolio and investor guidelines.
Determined loan eligibility and approved or rejected applications.
Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
Collaborated with loan originators and processors to correctly review and assess applications and risks.
Requested additional information for applications and documents when necessary.
Researched applicant employment and financial histories to confirm document accuracy.
Reviewed and evaluated loan applications and supporting documents.
Supported system administrators for loan origination software by maintaining loan product definitions and specifications.
Verified client financial information to determine creditworthiness and loan eligibility.
Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Collaborated with company teams to expedite loan approval processes.
Identified valuable solutions for customers with credit problems.
Underwriting & Processing Manager
West Coast Mortgage Group & Realty
Sacramento, CA
02.2013 - 12.2022
Managed a team of underwriters to ensure accurate and timely processing of applications.
Developed and implemented best practices for insurance underwriting processes.
Reviewed customer profiles, credit reports, and financial statements to assess risk factors.
Monitored progress on individual cases to ensure compliance with policy guidelines.
Analyzed data to identify trends in customer risk profiles and recommend appropriate action plans.
Coordinated with sales staff to develop strategies for addressing potential risks associated with clients' requests.
Created internal policies and procedures related to the underwriting process.
Provided guidance and support to junior underwriters in decision-making processes.
Assisted in the development of training materials for new hire underwriters.
Maintained up-to-date knowledge of industry regulations, standards, and changes in laws affecting insurance products.
Resolved any issues that may arise during the underwriting process.
Prepared periodic reports on application status updates for management review.
Participated in regular meetings with senior leadership teams to discuss current market trends.
Evaluated existing policies and procedures related to the underwriting process and make necessary revisions.
Inspected financial statements, credit information and title data to complete underwriting process.
Managed and supervised a team of mortgage processors to ensure timely closing of loans.
Maintained detailed records of all activities related to loan processing including decision-making processes.
Monitored daily production reports and provided feedback on performance metrics.
Developed procedures for streamlining document collection from customers and third-party vendors.
Trained new employees on mortgage origination software systems, regulations, policies and procedures.
Worked closely with underwriters to ensure that all loans meet investor guidelines prior to funding approval.
Conducted regular meetings with team members in order to discuss progress of current projects as well as any areas where improvement is needed.
Managed loans from application to submission to closing by coordinating file movements between underwriter, mortgage lender and closing parties.
Managed validation of documentation to regulate underwriting and closing requirements.
Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Conducted reviews and evaluations for cost-reduction opportunities.
Education
High School Diploma -
Elk Grove High School
Elk Grove, CA
05-1999
Skills
Skilled In DO/DU, LP Caylx Point and Encompass
Loan Application Processing
Loan Package Development
Pre-Approval Process
Application Analysis
Income Verification
Credit Check Knowledge
Loan Terms Explanation
Document Analysis
Conducting Financial Assessments
Credit
Licensed Mortgage Loan Originator
Loan Product Promotion
Loan Package Management
Client Service
Processing Procedures
Credit Analysis
Risk Evaluations
Issue Resolution
Training And Coaching
Lead Support Skills
Evaluating Programs
Loss Mitigation
Purchasing Processes
Client Account Management
Interviewing
Underwriting Support
Certification
License Mortgage Loan Officer
Timeline
Underwriter
International City Mortgage, INC DBA Genhome
12.2022 - 02.2024
Underwriting & Processing Manager
West Coast Mortgage Group & Realty
02.2013 - 12.2022
High School Diploma -
Elk Grove High School
License Mortgage Loan Officer
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