Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Tina Shirley

Hawthorne

Summary

Experienced Underwriter with solid experience evaluating mortgage applications. Proficient in determining level of risk for lenders using strong mathematical and statistical skills, to make informed underwriting decisions. Track record of maintaining underwriting guidelines, authority levels and compliance with regulatory standards and fostering positive client relationships.

Overview

12
12
years of professional experience

Work History

Underwriter

Veterans United Home Loans
12.2016 - Current
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • VA, Purchase, Refinance, IRRL, Manufactured Homes, Jumbo loans

Underwriter

Sterns Lending
08.2015 - 12.2016
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • FHA, VA, and Conventional loans

Quality Assurance Specialist

Black Knight Financial Services Data & Analytics
11.2013 - 08.2015
  • Worked with mortgage software to plan and run automated test scripts.
  • Reproduced defects, troubleshot unintended results and maintained error logs.
  • Minimized the likelihood of future defects by creating and maintaining detailed test scripts that covered a wide range of potential scenarios and edge cases.
  • Reported defects to developers and escalated critical issues.
  • Advised developers on problems with databases, performance and other issues.

Underwriting Supervisor / Team Lead

Nationstar Mortgage
04.2013 - 10.2013
  • Ensured a consistent approach in risk evaluation by developing and maintaining underwriting guidelines, procedures, and best practices.
  • Facilitated knowledge sharing across the underwriting team through regular meetings, workshops, or presentations on relevant topics.
  • Liaised with sales and operations to facilitate communication and maximize workflow efficiency.
  • Reduced turnaround time for policy issuance by effectively managing team workflows and priorities.
  • Mentored junior underwriters, fostering professional growth and improved performance through skill development and continuous feedback.
  • Motivated employees to improve performance through hands-on leadership, monthly reviews and proactive improvement planning.
  • Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities.
  • FHA, VA, Conventional loans

Education

Associate of Arts - Business

Florida State College
Jacksonville, FL
05-1987

Skills

  • Underwriting guidelines
  • Analyzing data
  • Risk assessment
  • Loan evaluation
  • Property evaluation
  • Automated underwriting system (AUS)
  • Problem-solving abilities
  • Data interpretation

Accomplishments

  • Earned designations as DE UNDERWRITER
  • Earned designations as SAR UNDERWRITER

Timeline

Underwriter

Veterans United Home Loans
12.2016 - Current

Underwriter

Sterns Lending
08.2015 - 12.2016

Quality Assurance Specialist

Black Knight Financial Services Data & Analytics
11.2013 - 08.2015

Underwriting Supervisor / Team Lead

Nationstar Mortgage
04.2013 - 10.2013

Associate of Arts - Business

Florida State College

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