Theresa Witham

• Specialized in FHA, New Construction, Conventional, and DPA loans.
• Documented underwriting decisions, ensuring compliance with applicable regulations.
• Evaluated property appraisals to ensure accurate valuations.
• Maintained up-to-date knowledge of industry regulations and policies.
• Analyzed credit, income, compliance, title documents, and appraisals to inform decisions.
• Assessed loan applications, leveraging comprehensive understanding of underwriting processes.
• Recommended approval or denial by determining precise risk levels and conditions.

• Specialized in FHA, New Construction, Conventional, and DPA loans.
• Conducted thorough analysis of loan files for compliance with investor standards.
• Evaluated entire credit packages and collateral for residential mortgage loans.
• Ensured adherence to federal and state compliance guidelines for retail mortgage lending.
• Assessed applicants' financial status, credit history, and property evaluations for loan feasibility.
• Provided guidance to processors by interpreting general guidelines and addressing loan file inquiries.
• Responded promptly to post-closing reviews and quality control audits.

Processed and underwrote large pipeline of FHA, New Construction, and Conventional loans.

Analyzed applicants' financial status and property evaluations to assess loan feasibility.

Verified and cleared loan conditions, issuing final approvals efficiently.

Ensured adherence to federal and state compliance guidelines in retail mortgage lending.

Communicated effectively to gather additional information as needed.

Achieved highest customer service scores in the company consistently

Obtained DE certification to enhance underwriting capabilities.

• Specialized in FHA, VA, New Construction, and Conventional loans throughout tenure.
• Achieved highest customer service scores within company
• Analyzed financial status, credit history, and property evaluations to assess loan feasibility.
• Reviewed loan documents, including credit, assets, income, appraisal, and title for accuracy.
• Communicated effectively with customers to gather necessary documents for timely closings.
• Collaborated with loan officers, title companies, and real estate agents to meet deadlines.
• Adhered to all federal and state compliance guidelines in retail mortgage lending.

• Processed and decided loans utilizing AUS, DU, and LP systems.
• Verified and cleared conditions on approved loans while ensuring exceptional customer service.
• Achieved top three regional ranking for production and customer service excellence.
• Obtained conventional loan signing authority to enhance operational capabilities.

• Established strong relationships with future borrowers to facilitate loan processes.
• Analyzed customer financial data, including income, assets, and liabilities for loan feasibility.
• Compiled necessary documentation for processing and underwriting of loans.
• Guided clients in selecting appropriate mortgage products and terms tailored to needs.

• Achieved Top 10 ranking among over 200 loan officers within first six months of employment.
• Established strong relationships with prospective borrowers to facilitate loan processes.
• Reviewed and analyzed loan transaction packages for pre-approvals per bank guidelines.
• Compiled all necessary documents for efficient processing and underwriting.