Teri Johnson
Mortgage Underwriter
Westminster,CO
Summary
Astute and methodical Senior Mortgage Underwriter with significant background working with all customers. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Realtor Sales Associate
Keller Williams Preferred LLC
06.2022 - 03.2023
- Advised and informed prospective clients on current market activities and conditions.
- Compared recently sold area properties to determine competitive market prices.
- Wrote contracts to outline sales and purchases of properties.
- Liaised between buyers and sellers to establish favorable prices and negotiate contract terms.
- Negotiated contracts with buyers and sellers to maximize customer savings.
Mortgage Underwriter III
Keller Mortgage
07.2020 - 05.2022
- Also extensive training for FHA DE certification as well as graded test cases
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Checked personal and team calculations to validate information and underwriting decisions.
- Trained junior team members in underwriting procedures and loan quality grading standards.
Contract Mortgage Underwriter
HCL Mortgage
06.2020 - 07.2020
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Proactively identified solutions for customers experiencing credit issues.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
QC Mortgage UW Auditor
NationStar / Mr. Cooper
04.2016 - 02.2018
- Review and audit several types of mortgage loans post-closing,
- All structured housing, from Conventional, FHA, and VA
- Skills Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment
- Loan-to-Value Ratios Debt-to-Income Ratios Conventional Conforming & Nonconforming Loans, ARMs
- Provided journal entries and performed accounting on accrual basis.
- Prepared working papers, reports and supporting documentation for audit findings.
Mortgage Underwriter
HCL / Wells Fargo / CITI / Sun Trust / Zenta
10.2010 - 08.2015
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
Education
Associate of Arts - Accounting And Finance
Front Range Community College
Westminster, CO04.2024
Skills
- Government Lending
- Desktop Underwriter
- Residual Incomes
- Debt-To-Income Ratios
- Loan Restructuring
- FHLMC Guidelines
- Residential Loans
Certification
- FHA Training - 2021/22 Diehl
Timeline
Realtor Sales Associate
Keller Williams Preferred LLC
06.2022 - 03.2023
Mortgage Underwriter III
Keller Mortgage
07.2020 - 05.2022
Contract Mortgage Underwriter
HCL Mortgage
06.2020 - 07.2020
QC Mortgage UW Auditor
NationStar / Mr. Cooper
04.2016 - 02.2018
Mortgage Underwriter
HCL / Wells Fargo / CITI / Sun Trust / Zenta
10.2010 - 08.2015
Associate of Arts - Accounting And Finance
Front Range Community College
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