Tina Hardy
Jacksonville,FL
Summary
Senior Mortgage Underwriter with significant background working with Portfolio and Government loans. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
11
11
years of professional experience
1
1
Certification
Work History
SR Mortgage Underwriter
Citibank
Remote
10.2020 - 08.2023
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Mitigated risks associated with loan approvals, conducting thorough due diligence on borrower profiles and property valuations.
- Verified integrity of applicants' information to minimize fraud.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Managed diverse portfolio of mortgage applications, consistently meeting strict deadlines while maintaining attention to detail.
- Developed strong relationships with clients, realtors, and other stakeholders to facilitate smooth communication throughout mortgage process.
- Researched and updated industry knowledge on changing legislation and regulations.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
Mortgage Underwriter II
TD Bank
Remote
10.2016 - 07.2020
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Provided comprehensive explanations of loan terms and conditions to clients, ensuring full understanding before finalizing agreements.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
Forensic Risk Underwriter/QA
Digital Risk
Jacksonville Florida
04.2015 - 09.2016
- Conducted audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Re-analyzed credit, income, compliance, title documents, and appraisals used during underwriting process to confirm accuracy.
- Verified proper licensing of third parties to loans being reviewed and analyze real estate purchase contracts. Goal was to perform in depth re-review of all critical documents to look for any fraudulent or misrepresentation on loan application
Mortgage Underwriter II
Wells Fargo Bank
Jacksonville Florida
10.2012 - 04.2015
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
- Mitigated risks associated with loan approvals, conducting thorough due diligence on borrower profiles and property valuations.
- Verified integrity of applicants' information to minimize fraud.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Researched and updated industry knowledge on changing legislation and regulations.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
Education
High School Diploma -
Crescent City High School
Crescent City, FL08.1997
Skills
- Underwriting Support and Document Analysis Servicing
- Analyze Financial Histories
- Conventional and Non-Conventional loans
- Risk Management/Account Reconciliation
- Financial Report Writing
- Portfolio/Account Management
- Customer service (10 years)
- Mortgage Servicing and Support (10 years)
- Loss Mitigation/Loan Modification
- High-Net worth and Wealth Account Management
- Banking
- Fraud prevention and detection
- Collections/Payment Collector (5 years)
- NMLS Registration
- Strong decision-making
Certification
NMLS #1554083
Timeline
SR Mortgage Underwriter
Citibank
10.2020 - 08.2023
Mortgage Underwriter II
TD Bank
10.2016 - 07.2020
Forensic Risk Underwriter/QA
Digital Risk
04.2015 - 09.2016
Mortgage Underwriter II
Wells Fargo Bank
10.2012 - 04.2015
High School Diploma -
Crescent City High School