Tasha Young
Charlotte,NC
Summary
Mortgage industry professional with 22 years of experience. Excellent analytical thinker with strong written and verbal skills. Ability to investigate and think outside the box with problem solving. Eager to take on changes as they come and open to changes and new ideas or opportunities. Successful at collaborating with other team members, sales and management. Proactive and fast learner.
Overview
7
7
years of professional experience
Work History
Conventional Underwriter
HomePoint Financial
11.2020 - 05.2022
- Review business plans, business and personal credit reports, tax returns, as well as other financial data..
- Review of W2 income and rental income using calculation worksheet to make sure loan is still within qualifying guidelines..
- Gather and organize required credit documents necessary to order commercial, residential, and environmental appraisals and reviews.
- Review business plans, business and personal credit reports, tax returns, as well as other financial data.
- Provide support to Senior Underwriters by reviewing and clearing conditions to loan or adding conditions after initial approval has been given.
- Analyze borrower’s ability to pay loan applied for by reviewing credit reports, assets, income
Mortgage Loan Processor Trainer
Keller Mortgage
06.2020 - 11.2020
- Created training manual and adapted policies to corporate standards for operations.
- Instructed new hires regarding lesson plans, instructional materials and policies and procedures during the training courses. Provided staff with written practice tests to assess retention.
- Trained staff on ENCOMPASS to order vendor services i.e homeowners insurance, titles, tax transcripts.
- Created curricula, instructions, documents and written tests for various types of training courses.
- Trained and mentored 10-12 new personnel hired to fulfill various roles.
Senior Credit Document Processor
Keller Mortgage
04.2019 - 06.2020
- Reviewed all file documentation including, income and assets documents, title commitment, home owners insurance policy.
- Worked with internal staff to process documents and sent for closing.
- Review and clear all processing conditions set by underwriting and quality control.
- Provide customer service to client questions and direct them to the appropriate personnel.
Conventional Mortgage Underwriter
Capital Bank
11.2018 - 04.2019
- Review and calculate income, including tax returns, and funds verification (assets) from documentation received in accordance with investor guidelines.
- Read and interpret Desktop Underwriter (DU) findings. Rerun/update DU with all updated calculations, appraised value, available funds prior to submission to underwriting.
- Maintain and respond to quality control issues..
- Coordinate and communicate information with all parties involved in loan to assure timely turn time of loan as it relates to processing.
- Verified consumer loan documents including income, credit, appraisal and title insurance in preparation for application to be submitted to underwriting.
Senior Loan Processor
CalAtlantic Mortgage
11.2015 - 04.2018
- Evaluated approvals against established bank and government lending standards.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers via telephone to answer questions, process transactions and resolve issues.
Senior Processor II
ClearVision Funding
05.2013 - 09.2014
- Entered data into computer tracking system and filed paperwork according to procedures.
- Received and reviewed incoming documents and materials.
- Served as subject matter expert regarding policies, procedures and technology.
- Responsible for managing Date Trac pipeline of 40+ TPO wholesale loans ranging from $100K to $1.1M.
- Initiated dialogue between Loan Officers, Title Agents, Closers, Underwriters, Account Executives, and Processors to facilitate timely settlements.
- Analyzed financial, legal, and other supporting documentation to determine overall compliance and completeness of file to ensure lending loan salability.
Education
Bachelor of Science - Criminal Justice
University of Maryland - Eastern Shore
Princess Anne, MDSkills
- Company Assessments
- LP Underwriting
- Financial Modeling
- Package Structuring
- Conforming & Nonconforming Loans
- NCHFA, ARMs, Jumbo Loan
- FHA, VA, USDA Loans
- Fannie Mae & Freddie Mac Guidelines
- MS Office
- Encompass
- Loan IQ
Timeline
Conventional Underwriter
HomePoint Financial
11.2020 - 05.2022
Mortgage Loan Processor Trainer
Keller Mortgage
06.2020 - 11.2020
Senior Credit Document Processor
Keller Mortgage
04.2019 - 06.2020
Conventional Mortgage Underwriter
Capital Bank
11.2018 - 04.2019
Senior Loan Processor
CalAtlantic Mortgage
11.2015 - 04.2018
Senior Processor II
ClearVision Funding
05.2013 - 09.2014
Bachelor of Science - Criminal Justice
University of Maryland - Eastern Shore
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