Tina Dobson
Tampa,FL
Summary
Hardworking Senior DE and Conventional Mortgage Underwriter with more than 20 years in the mortgage industry. Highly analytical, quality- and detail-driven who drives loans to approval with speed, accuracy and the ability to problem-solve while maintain customer service levels and growing business relationships. Possess the ability to critical think and convert suspended loans into approval loans while maintain lender and investor integrity. Dedicated, ambitious, Mortgage Underwriter who adapts to new challenges, exhibits leadership and training capabilities, an eye for fraud detection and details, adapts to the ever-changing Mortgage environment and is well-versed in balancing priorities, leveraging resources and delivering excellence.
Overview
25
25
years of professional experience
Work History
Remote Sr. DE Mortgage Underwriter
Pennymac TPO
Tampa, FL
05.2021 - 05.2022
- DE Designation
- Conventional and FHA loans
- Quality Decision-Making and Fraud Detection
- 99% Quality Rating
- Leverage extensive knowledge of investors, product and quality requirements to convert declined applications into approved, acceptable loans
- Maintain a very high level of quality review while exceed production requirements
Remote Sr. DE Mortgage Underwriter
Parkside Lending
San Francisco, CA
06.2020 - 05.2021
- FHA DE Designation
- Conventional and FHA loans
- Completed intensive FHA Underwriting and FHA Appraisal Review Courses
- Leverage extensive knowledge of investors, product and quality requirements to convert declined applications into approved, acceptable loans
- Maintained high level of productivity
Remote Mortgage Underwriter
PNMAC
Tampa, FL
06.2018 - 05.2020
- Highly skilled analysis of Conventional Conforming loans
- Consistently exceeded both productivity and quality goals
- Leverage extensive knowledge of investors, product and quality requirements to convert declined applications into approved, acceptable loans
- Achieved highest tier of quality among conventional loan volume
Remote Mortgage Underwriter
Trust Lending, LLC
Miami, FL
06.2016 - 05.2018
- Maintained impeccable record of quality
- Leveraged extensive knowledge of investors, product and quality requirements to convert declined applications into approved, acceptable loans
- Review and assess mortgage risk among all loan families
- Underwrite FHA/VA loans under Underwriting Manager signoff
- Delegated quality underwriter among multiple investors, up to $1,250,000 signing authority
- Extensive experience dealing with Spanish-speaking clients and vendors
Sr. Processor/Jr. Underwriter
PRMI
Fort Myers, FL
05.2015 - 06.2016
- Processed and acted as Junior Underwriter for a high volume of Conformings, Non-Conforming, Jumbo, FHA and VA loans
- Consistently exceeded both productivity and quality goals
- Supported the top national sales team in the company
Senior Processor/Junior Underwriter
Mutual Of Omaha Mortgage
Naples, FL
03.2014 - 12.2014
- Completed multiple seasonal and long-term contract assignments in processing, junior underwriting and underwriting
- Processing and junior underwriting assignments for FHA, VA, Conventional Conforming, Jumbo, Portfolio/Wealth and New Construction loans
Consumer Loan Underwriter III (Mortgage)
Home Services, Wells Fargo Joint Venture
Minneapolis, MN
11.2011 - 02.2014
- Underwrote higher-risk level conventional conforming loans
- Managed an extremely high volume of loans while maintaining top quality ratings
- Leveraged discretion and exception authority to facilitate increased risk authority
- Mentored junior underwriters and reviewed lower-risk test cases for quality
- Completed multiple FHA and VA courses
Consumer Loan Underwriter I/Senior Processor V
Private Mortgage Banking, Wells Fargo Home Mortgage
Minneapolis, MN
08.2005 - 11.2011
- Underwrote all loan families of Elite and High-Dollar clients
- Average loan amount $2,000,000 to $6,000,000
- Underwrote, processed and closed Conforming, Non-Conforming, Portfolio/Wealth, New Construction and Specialty Products
- Repeatedly exceeded quality and volume goals
- Subject Matter Expert on Multiple Topics
- Previously held position: Sr
- Loan Documentation Specialist IV, V
- Repeatedly awarded quarterly and annual Service Excellence award
- Trained processors and closers on topics related to income, assets and quality
Sr. Processor/Closer III
RBMG
Edina, MN
07.2001 - 12.2005
- Processed and closed a high volume of FHA, VA, Conventional Conforming and Non-Conforming, Construction and Portfolio Trust loans
- Consistently achieved highest performance and quality tier
Registered Sales Assistant
Miller, Johnson, Steichen & Kinnard, AKA Stockwalk.com
Minneapolis, MN
05.1999 - 07.2001
- Series 7 and 63 licenses
- Assisted founding partner in sales and marketing to high dollar wealth clients
- Researched and marketed Private Place offerings to suitable clients
- Researched and created various financial planning tools, graphs and reports customized to specific wealth clients
Title Closer
Edina Realty Home Services
Edina, MN
05.1997 - 05.1999
- Insurance License and Notary Commission
- Performed single and dual closings for all loan types, including FHA, VA, Conventional and New Construction
- Highly skilled in pinpointing and curing title defects, including Abstract
Education
Bachelor of Fine Arts (B.F.A.) - Fashion -
Academy of Art University
San Francisco, CAAssociate of Arts (A.A - undefined
Normandale College
Skills
- Mortgage Loans,
- Mortgage Underwriting
- Conventional Mortgages
- FHA and VA Mortgages
- Jumbo, Non-QM, New Construction
- Portfolio Lending and Wealth Management
- DU/LP AUS Findings
- Manual Underwriting
- Quality Compliance and Fraud Detection
- Agency Guidelines, Lending Regulations and Investor Requirements
- Complex Income Analysis, Self-Employment Personal and Business Tax Returns
- Appraisal/Collateral Underwriting
- Community Lending Programs
- Mortgage Insurance
- Traditional and Non-Traditional Credit Analysis
- Wholesale, Retail, Correspondent and Portfolio Lending
- New Construction, Mortgages in Trust/LLC, Portfolio Lending New Construction, Mortgages in Trust/LLC, Portfolio Lending
- Data Analysis and Risk Assessment
- Title Insurance and Real Estate Law
Additional Information
- LICENSES & CERTIFICATIONS , Direct Endorsement/DE, Series 7 (expired), Title Insurance (expired), Notary, HONORS & AWARDS , Subject Matter Expert Multiple topics among multiple employers Service Excellence Wells Fargo Awarded more than 10 times
Timeline
Remote Sr. DE Mortgage Underwriter
Pennymac TPO
05.2021 - 05.2022
Remote Sr. DE Mortgage Underwriter
Parkside Lending
06.2020 - 05.2021
Remote Mortgage Underwriter
PNMAC
06.2018 - 05.2020
Remote Mortgage Underwriter
Trust Lending, LLC
06.2016 - 05.2018
Sr. Processor/Jr. Underwriter
PRMI
05.2015 - 06.2016
Senior Processor/Junior Underwriter
Mutual Of Omaha Mortgage
03.2014 - 12.2014
Consumer Loan Underwriter III (Mortgage)
Home Services, Wells Fargo Joint Venture
11.2011 - 02.2014
Consumer Loan Underwriter I/Senior Processor V
Private Mortgage Banking, Wells Fargo Home Mortgage
08.2005 - 11.2011
Sr. Processor/Closer III
RBMG
07.2001 - 12.2005
Registered Sales Assistant
Miller, Johnson, Steichen & Kinnard, AKA Stockwalk.com
05.1999 - 07.2001
Title Closer
Edina Realty Home Services
05.1997 - 05.1999
Bachelor of Fine Arts (B.F.A.) - Fashion -
Academy of Art University
Associate of Arts (A.A - undefined
Normandale College
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