TIFFANY LENZ
7048 Wildflower Ct, Grand Blanc,MI
Summary
Senior Underwriter with 9+ years experience in the mortgage industry with capabilities of risk assessment and analysis of income and credit worthiness. High proficiency and accuracy in processing and completing loan packages to investor guidelines. Passionate about building strong internal and external client relationships by delivering exceptional service while driving business.
Overview
9
9
years of professional experience
Work History
Mortgage Loan Processor
American Financial Network, Inc
Myrtle Beach, SC
11.2022 - Current
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Used Encompass mortgage software to manage a pipeline of 40+ loans of multiple mortgage products including, FHA, VA, USDA, nonQM, Conventional, and manual underwrites with efficient time management to ensure all closing dates were met
- Maintained excellent communication with customers to answer questions, process transactions and resolve issues.
- Contacted outside sources, references and vendors to verify client financial information and process file orders of appraisals, title work and condo review documentation.
- Utilized underwriting and investor guideline knowledge to help Branch Manager review loan applications and qualify borrowers
- Worked closely with Underwriting Management on escalated issues to find resolutions for files using guideline knowledge
DE Underwriter
Embrace Home Loans
Middletown, RI
12.2021 - 09.2022
- Achieved production goals of 2 initial underwrites per day with pipeline management using Empower mortgage system.
- Exceeded customer satisfaction by finding creative solutions to unique and complex client income, credit or property situations while protecting company from risk.
- Maintained compliance with company and regulatory policies.
- Promoted high customer satisfaction by resolving problems with a friendly positive attitude and extensive guideline knowledgeable of multiple loan products including FHA, Conventional and USDA
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns, asset statements, credit reports, and property appraisals.
- Displayed strong telephone etiquette, effectively handling difficult calls to loan officers.
DE Executive Rocket Ready Credit Underwriter
Quicken Loans/Rocket Mortgage
Detroit, Michigan
06.2020 - 12.2021
- Demonstrate extensive knowledge of FHA and Conventional (FNMA & FHLMC) guidelines while assessing income, property, assets and credit worthiness to determine eligibility on 30+ initial underwrites per day as recognized by zero Loan Quality issues.
- Utilization and familiarity of Automatic Underwriting Systems such as Desktop Underwriter for Convention and FHA and Loan Product Advisor for underwriting purchase and refinance loans ensuring they meet investor guidelines
- Exhibit the 24 pillars daily to ensure exceptional internal and external client experience identified by CAVS winner in 2020
- Display excellent ability of time management and multi-tasking by exceeding daily expectations of production and efficiency in fast paced environment while completing compliance training by deadlines, daily meetings and huddles and continual communication with Bankers, Solution Consultants and Client Communication Specialists.
- Closely worked with leadership and IT department through round table meetings to develop a new underwriting system to help increase loan quality and efficiency for underwriters while creating more transparency for applicants.
Senior DE Mortgage Underwriter
United Wholesale Mortgage
Pontiac, Michigan
09.2015 - 06.2020
- Demonstrate extensive knowledge of FHA, USDA, Conventional (FNMA & FHLMC) and JUMBO guidelines while assessing income, credit, appraisal and title documents to determine credit worthiness and eligibility on 6+ initial underwrites and 15+ senior conditions per day as recognized by excellent Loan Quality Scores.
- Utilization of automated underwriting systems such as Desktop Underwriter, Loan Prospector, and Guaranteed Underwriting Systems to underwrite purchase and refinance loans and safeguard regulatory compliance. Utilization of HUD Handbook and the Handbook 3555 for USDA for manual downgrades or streamline refinances.
- Develop and maintain client relationships with multiple brokers across the county through professional communication with a solution driven attitude along with fast, efficient and thorough risk analysis and decision making on submitted files.
- Display excellent ability to multi-task by exceeding daily expectations of production while delivering exceptional client service identified by monthly Super Service Star and Service Star awards and VIP winner August of 2019.
- Work closely with training team to implement more efficient process for USDA files with published resources for brokers to set proper expectations and create guidance on successful submissions.
- Facilitated mentorship program for Underwriter II and Senior Underwriter positions.
- Built knowledge in Accounting Department while working closely with Closing, Post Closing and Compliance departments to ensure smooth transition with TRID to transition to Underwriting in.
Education
Business Administration/Accounting
Oakland University
Rochester Hills, MISkills
- Critical thinking
- Effective Communication
- Decision-Making
- Planning & Organizing
- Income Evaluation
- Microsoft Office
- Problem Resolution
- Task Prioritization
- Analytical
- Pipeline Management
- Proficient in Encompass
- Data Interpretation
Timeline
Mortgage Loan Processor
American Financial Network, Inc
11.2022 - Current
DE Underwriter
Embrace Home Loans
12.2021 - 09.2022
DE Executive Rocket Ready Credit Underwriter
Quicken Loans/Rocket Mortgage
06.2020 - 12.2021
Senior DE Mortgage Underwriter
United Wholesale Mortgage
09.2015 - 06.2020
Business Administration/Accounting
Oakland University
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