Tina Guzman-Smith Resume
Los Alamitos,CA
Summary
Detailed Underwriter offering 20 years of experience in underwriting with diverse range of loan products, including Conventional, Jumbo to $4 million, FHA, VA, USDA, and NON-QM loans, DAP, Purchase Money, Refinance, New Construction. I successfully applied these skills across both startup ventures and large lending institutions, demonstrating a consistent set of skills in effectively balancing risk appetites with the essential sales quota goals.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Contract Mortgage Underwriter
E L P
Los Alamitos, CA
01.2024 - Current
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Conducted due diligence reviews of loans before closing.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Evaluated collateral properties to assess market value.
- Identified potential issues related to title, appraisals, and insurance coverage.
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
- Approved or denied loan applications and explained the reasoning behind decisions.
Sr. Underwriter
Vista Point Mortgage dba NextUs Wholesale
Irvine
03.2023 - 09.2023
- Recruited to underwrite for the Wholesale Division at NextUs Lending
- Evaluating Wholesale Non-QM, purchase money 1st/2nd Loans, DSCR, Bank statement products, and Asset Depletion
- Utilized for the Retail division FNMA, FHLMC, FHA, Heloans (2nd TD)
- Dedicated to enhancing efficiency by actively seeking opportunities for improvement, promoting quality, and implementing feedback to enhance overall performance
- Known for adept multitasking abilities and commitment to overseeing work processes to ensure high-quality outcomes that meet productivity benchmarks.
- Prepared reports outlining findings from the loan review process for senior management review.
Senior Underwriter
Better Mortgage Retail
Irvine, CA
10.2018 - 09.2022
- Recruited to spearhead the establishment of new underwriting divisions for a dynamic Fintech startup, a venture that also involved supporting partnerships with esteemed institutions such as Ally Bank and American Express.
- Collaborating with over 40 peers spanning processing, loan origination, and closing teams, I underwrote a high volume of Conventional, Jumbo, and FHA loans each month.
- Pivotal role in addressing complex scenario questions to enhance sales conversions.
- Underwriting authority amounting to $4 million and conducted thorough second-level reviews, providing valuable mentorship and guidance to junior underwriters within the team.
Senior Underwriter
US Bank Retail
11.2017 - 10.2018
- Reviewed and evaluated both Qualified Mortgage (QM), Jumbo up to $4 million, Investment Portfolios that featured multiple intricate overlays, FNMA, FHLMC, FHA, AND VA Loans.
- The central focus was dedicated to proficiently managing credit assessments and executing highly effective risk mitigation strategies, all aimed at fostering and maintaining sound lending practices.
- Conducted due diligence reviews of loans before closing.
Senior Underwriter
Caliber Home Lending (Formerly Banc of Cal) Retail
06.2013 - 11.2017
- Promoted to a role where I provided support to five locations across the nation.
- Underwrote backlogged files that encompassed a wide range of loan types, including Fannie Mae, Freddie Mac, FHA, VA, USDA, Bond Programs, New Construction, HELOC, DAP, and 203(k) loans.
- Served as the second signer for USDA Loans, adding an extra layer of expertise to the underwriting process
- Manually underwrote FHA loan files, demonstrating my proficiency in handling complex loan scenarios.
Senior Mortgage Underwriter
Broadview Mortgage Wholesale
Orange, CA
05.2007 - 06.2013
- Evaluated loan applications and creditworthiness of potential borrowers.
- Verified that all submitted documents were accurate, complete, and per relevant laws and regulations.
- Identified areas where additional training was needed among junior underwriters and provided guidance accordingly.
- Researched any discrepancies between application information supplied by applicants versus third-party sources.
- Developed relationships with brokers and the Real Estate community by providing frequent updates on loan status.
Skills
- Encompass
- Loan Prospector
- Desktop Underwriter (DU)
- GUS, and FHA Connection
- LGY Hub
- Analytical Thinking
- Credit and Risk Assessment
- Teamwork and Collaboration
- Time Management and Prioritization
- Loan Structuring
- Income Evaluation
Certification
- Certified Conventional Underwriter
- FHA DE Certification with Chums Number P485
- VA LAPP Certification with SAR Number 016628
Timeline
Contract Mortgage Underwriter
E L P
01.2024 - Current
Sr. Underwriter
Vista Point Mortgage dba NextUs Wholesale
03.2023 - 09.2023
Senior Underwriter
Better Mortgage Retail
10.2018 - 09.2022
Senior Underwriter
US Bank Retail
11.2017 - 10.2018
Senior Underwriter
Caliber Home Lending (Formerly Banc of Cal) Retail
06.2013 - 11.2017
Senior Mortgage Underwriter
Broadview Mortgage Wholesale
05.2007 - 06.2013
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