Encompass
Tina Prather
Bedford,TX
Summary
Seasoned Mortgage Underwriter with a robust background in processing and underwriting diverse loan types across multiple states. Excelled in regulatory compliance, showcasing exceptional analytical and organizational skills. Proven track record in enhancing loan processing efficiency and accuracy, leveraging expertise in FHA DE Underwriting and FNMA/FHLMC Guidelines, alongside a strong capacity for multitasking and independent operation. Additional knowledge with 1031 Exchange, bridge loans, asset depletion.
Overview
13
13
years of professional experience
Work History
Mortgage Underwriter
Mortgage Financial Services
06.2020 - 08.2023
- Underwrote a broad spectrum of Conventional and FHA loan types for Retail, Wholesale and Correspondence. New construction, pre-existing home loans for purchases and refinances in multiple states.
- Primary, investment, 2nd homes
- Experience with bridge loans, multi property, asset depletion, 1031 exchange, TX A6
- Ensured regulatory compliance by maintaining up-to-date knowledge of industry guidelines and standards.
- Supported loan origination by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained mortgage program compliance with federal agencies such as HUD.
Mortgage Loan Processor
Premier Nationwide Lending
08.2014 - 06.2020
- Processed FHA, VA, Conventional loans. Investment, 2nd home and primary for multiple states.
- Collected and analyzed all borrower documentation to verify accuracy prior to submitting to underwriting.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Handled any conditions sent from underwriting departments.
- Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
Mortgage Loan Processor
Nationstar Mortgage DBA Mr. Cooper
11.2011 - 08.2014
- Processed FHA, VA and Conventional in multiple states.
- Compiled and analyzed all borrower documentation prior to underwriting to ensure clean underwriting approvals with minimal conditions.
- Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys and title companies.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Loan Processor
Texaslending.com
09.2010 - 11.2011
- Processed Conventional, VA, VA IRRL, Jumbo, TXA6 and FHA streamline and full document loans.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Analyzed and calculated income from personal and business tax returns.
- Ordered MI certs, VOE's, HOI's, and all borrower docs.
- Pulled CAIVRS, LDP's GSA, MER's and case number assignments for FHA & VA.
- Reviewed all title work and assisted with clearing any liens or encumbrances.
- Ordered subordination agreements.
- Condo approval
Loan Processor
Mortgages USA
06.2009 - 09.2010
- Processed FHA streamline, FHA full doc, VA, VA IRRL, TXA6 and Conventional loans.
- Reviewed and calculated income from personal and business tax returns.
- Ordered all VOE's, HOI's VOD's, title work.
- Pulled LDP/GSA's, CAIVRS, condo and appraisal logging.
- VA and FHA case assignments and refi authorizations.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
Assistant Business Manager
LDM Group, LLC/Print Source
02.2006 - 03.2008
- Responsible for multiple accounting functions for both companies.
- HR/Payroll, A/P, A/R, journal entries, billing, collections.
- Maintained vendor and client relations.
- Completed month-end and year-end close process.
- Handled all travel arrangements and other administrative tasks.
- Managed day-to-day financial processes by paying invoices, purchasing goods and processing reimbursements.
- Compiled comprehensive reports on various aspects of the business for management review and decision-making purposes.
Skills
- FHA DE Underwriter
- FNMA, FHLMC Guidelines
- Retail, Wholesale and Correspondence loans
- Analyzed personal and business tax returns for self-employed borrowers
- Collateral Valuation
- DU/LP-Automated Underwriting System (AUS)
- Underwriting Guidelines
- Organizational & multitask skills
- Time Management
- Analytical Thinking
- Team Player
- Fast learner with ability to work with little or no supervision
Certification
- 10 + years experience in the mortgage Industry
- 6 + years real estate sales experience with new home construction, pre-existing & foreclosure sales experience.
- Mortgage loan origination
- Mortgage loan Auditor/Quality Control
Software
AIQ
JD Edwards
AS/400
Data Trac
Calyx Point
Quick Books Pro
Microsoft office: Excel, Word, Outlook
Timeline
Mortgage Underwriter
Mortgage Financial Services
06.2020 - 08.2023
Mortgage Loan Processor
Premier Nationwide Lending
08.2014 - 06.2020
Mortgage Loan Processor
Nationstar Mortgage DBA Mr. Cooper
11.2011 - 08.2014
Loan Processor
Texaslending.com
09.2010 - 11.2011
Loan Processor
Mortgages USA
06.2009 - 09.2010
Assistant Business Manager
LDM Group, LLC/Print Source
02.2006 - 03.2008
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