Tiffany Parker
Las Vegas,Nevada
Summary
Highly detail-oriented and dedicated mortgage industry professional skilled at motivating and leading teams to achieve and maintain high production levels while delivering quality outcomes. Possesses a comprehensive understanding of core underwriting principles, concepts, practices, and techniques, along with in-depth knowledge of investor underwriting guidelines. Offers outstanding customer service, along with strong interpersonal and problem-solving skills. Excels in communication, collaboration, and teamwork to ensure optimal results in underwriting processes.
Overview
27
27
years of professional experience
Work History
SENIOR UNDERWRITER
Better Mortgage
06.2024 - 11.2024
- Responsible for underwriting conventional and manual loans (conforming and non-conforming).
- Complete the initial underwriting review for HELOC/HELOAN.
- Cross-trained for FHA Direct Endorsement.
- Analyze appraisals for both conforming and non-conforming.
- Maintained up-to-date knowledge of industry trends, best practices, government regulations, market conditions.
- Designated to underwrite investor jumbo loan products.
- Developed and implemented strategies for mitigating risks associated with higher-risk loans.
First Fed Bank
07.2022 - 06.2024
- Responsible for underwriting conventional, construction-to-permanent, lot loans, and manual loans (conforming and non-conforming).
- Assist with Encompass updates, compliance, and underwriting procedures to ensure the process is more efficient.
- Analyze appraisals for both conforming and non-conforming.
- Building strong relationships with loan officers and processors, collaborating with individuals to resolve issues promptly regarding underwriting decisions previously made, so they understood the reasoning behind these decisions.
SENIOR UNDERWRITER
Better Mortgage
11.2020 - 06.2022
- Responsible for underwriting conventional and manual loans (conforming and non-conforming).
- Cross-trained for FHA/Direct Endorsement.
- Analyze appraisals for both conforming and non-conforming.
- Designated to underwrite investor jumbo loan products.
- Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns, and other related documents.
- Reviewed, evaluated approved, and declined high-risk mortgage loan applications for compliance with company policies and procedures.
SENIOR UNDERWRITER
Arch Capital MI
01.2015 - 11.2020
- Responsible for underwriting investor contractual conventional loans (conforming and non-conforming).
- Reviewed and analyzed loan applications, credit reports, liabilities, assets, and income, and evaluated creditworthiness, financial strengths, and risk.
- Analyzed loan files to ensure adherence to regulations and legal standards for conventional mortgages.
- Complete the appraisal review of collateral, jumbo, and conventional loans.
- Provided guidance and assistance to junior underwriters regarding loan underwriting processes and procedures.
Consumer Underwriter
Wells Fargo
01.2014 - 02.2015
- Responsible for reviewing, analyzing, approving, and underwriting large, unusual, or complex individual consumer requests and products within company and industry guidelines.
- Managed indirect reports and evaluated daily operation workflow.
- Oversee compliance guidelines for revolving credit lines, ensuring a knowledgeable workforce.
- Evaluated income, assets, liabilities, credit reports, and other documents related to loan applications.
Mortgage Loan Officer
Bank of America
02.2013 - 03.2014
- Meet with applicants to obtain loan application information, and determine customer financing objectives.
- Analyze applicants' financial documents, credit report data, and property evaluations to obtain prequalification for prospective home borrowers.
- Structure loans and review debt-to-income and loan-to-value ratios to determine customers' ability to repay.
- Conducted interviews with prospective clients to gather information regarding loan applications.
Sr. QA Operations Analyst
Bank of America
02.2011 - 02.2013
- Examine government and conventional residential loan documentation for accuracy, completeness, and compliance with appropriate internal regulatory government.
- Resolve legal document issues to insure and guarantee loans.
- Provide a quality assurance review for the assigned area's internal business partners and external customers/clients.
- Assessed risk levels associated with each loan application based on established criteria.
Mortgage Underwriter
Wells Fargo Home Mortgage
03.2009 - 02.2011
- Responsible for underwriting consumer requests for FHA loan evaluation.
- Submit the DU/AUS decision using a company-based interface to receive a decision for credit qualification.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine the borrower's ability to repay the loan.
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Evaluated borrower's financial information, including credit history, income, and assets to determine loan viability.
Sr. Loan Processor
Bank of America
01.1998 - 01.2009
- Determined the accuracy and completeness of files while ensuring consistency.
- Reviewed and evaluated loan applications to ensure accuracy, completeness, and compliance with state and federal regulations.
- Processed loan documents in a timely manner to meet closing deadlines.
- Analyzed income documentation including pay stubs, W2s, tax returns, and bank statements. to determine the borrower's ability to repay the loan.
- Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities.
Education
Computer Science -
Durham Tech Community College
High School Diploma -
N.C Tarheel Challenge Academy
Clinton, N.CMBA-School of Mortgage Banking - Certificate of Completion
Skills
- Underwrite FHA, Conventional, HELOC/HELOAN, and Jumbo
- Experience in Encompass
- Underwriting guidelines
- Risk Assessment
- Analyzing Appraisals
- Quality assurance
- Compliance
- Credit analysis
- Policy development
- Risk evaluations
Coreexpertise
- Mortgage Lending & Underwriting Guidelines
- Asset
- Credit & Income Analysis
- Risk Assessment
- Underwriting Conventional & FHA Mortgage Loans
- Underwriting Nonconforming Loans
- Analyzing Appraisals
- Compliance
References
References available upon request.
Timeline
SENIOR UNDERWRITER
Better Mortgage
06.2024 - 11.2024
First Fed Bank
07.2022 - 06.2024
SENIOR UNDERWRITER
Better Mortgage
11.2020 - 06.2022
SENIOR UNDERWRITER
Arch Capital MI
01.2015 - 11.2020
Consumer Underwriter
Wells Fargo
01.2014 - 02.2015
Mortgage Loan Officer
Bank of America
02.2013 - 03.2014
Sr. QA Operations Analyst
Bank of America
02.2011 - 02.2013
Mortgage Underwriter
Wells Fargo Home Mortgage
03.2009 - 02.2011
Sr. Loan Processor
Bank of America
01.1998 - 01.2009
Computer Science -
Durham Tech Community College
High School Diploma -
N.C Tarheel Challenge Academy
MBA-School of Mortgage Banking - Certificate of Completion
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