TONI RINEHART
Klamath Falls
Summary
Hardworking and reliable professional who is highly organized, proactive, and punctual, with a team-oriented mentality.
Relationship builder with strong interpersonal skills and superior customer focus.
Utilizes broad business acumen to form strong relationships with all levels within an organization. An impactful leader's dedication to professionalism and integrity when handling confidential information and difficult situations.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
Sutherland Global
04.2025 - Current
- 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.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Mortgage Underwriter (Remote), “on behalf of MGIC”
Sutherland Global
06.2023 - 02.2025
- Analyze and render credit decisions on mortgage loan applications consistent with internal policies, Fannie Mae/Freddie Mac guidelines, and investor guidelines for agency conforming mortgage loans.
- Review and approve appraisal reports.
- Make decisions to accept, suspend or decline loans or MI coverage.
- Analyze complex personal and business tax returns.
- Maintain positive business relationships with customers and underwriting staff.
- Utilize systems – Encompass, Atlas, Fannie Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, Microsoft Excel and Microsoft Word.
Loan Processing Specialist
Pacific Crest Federal Credit Union
03.2023 - 05.2023
- Prepare and review loan disclosures and loan documents for secured and unsecured consumer loan products.
- Work closely with Loan Consultants to prepare loan documents to meet specific product parameters.
- Meet with credit union members to sign all loan documents and disclosure in person, or over the phone utilizing DocuSign.
- Fund loans and disburse monies per the applicable product parameters.
- Preform “2nd reviews” on loans funded and disbursed by additional loan processing specialists.
Mortgage Underwriter 3 (Remote)
MGIC
05.2022 - 09.2022
- Analyze and render credit decisions on mortgage loan applications consistent with internal policies, Fannie Mae/Freddie Mac guidelines, and investor guidelines for agency conforming mortgage loans.
- Review and approve appraisal reports.
- Make decisions to accept, suspend or decline loans or MI coverage.
- Analyze complex personal and business tax returns.
- Maintain positive business relationships with customers and underwriting staff.
- Utilize systems – Atlas, MortgageBot, Fannie Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, Microsoft Excel and Microsoft Word.
Senior Underwriter (Remote)
Better Mortgage Corporation
01.2021 - 03.2022
- Analyze and render credit decisions on mortgage loan applications consistent with internal policies and Fannie Mae/Freddie Mac guidelines for agency conforming mortgage loans.
- Make decisions to accept, suspend or decline loans.
- Analyze complex personal and business tax returns.
- Maintain positive business relationships with support and underwriting staff.
- Utilize systems – Tinman, Fannie Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, Encompass and Google Documents.
Mortgage Underwriter 3 (Remote)
MGIC
07.2012 - 01.2021
- Analyze and render credit decisions on mortgage loan applications consistent with internal policies, Fannie Mae/Freddie Mac guidelines, and investor guidelines for agency conforming mortgage loans.
- Review and approval appraisal reports.
- Make decisions to accept, suspend or decline loans or MI coverage.
- Analyze complex personal and business tax returns.
- Maintain positive business relationships with customers and underwriting staff.
- Utilize systems – Atlas, Fannie Mae Desktop Underwriter, Freddie Mac Loan Product Advisor, Microsoft Excel and Microsoft Word.
Skills
- Production-Oriented
- Organizational Skills
- Customer Service-Focused
- Reliable
- Analytical
- Microsoft Office Suite
- Encompass
- Google Documents Suite
Certification
Fannie Mae’s Housing Finance Institute – “Underwriting the Property”, “Underwriting the Borrower” & “Underwriting the Self-Employed Borrower”
Timeline
Mortgage Underwriter
Sutherland Global
04.2025 - Current
Mortgage Underwriter (Remote), “on behalf of MGIC”
Sutherland Global
06.2023 - 02.2025
Loan Processing Specialist
Pacific Crest Federal Credit Union
03.2023 - 05.2023
Mortgage Underwriter 3 (Remote)
MGIC
05.2022 - 09.2022
Senior Underwriter (Remote)
Better Mortgage Corporation
01.2021 - 03.2022
Mortgage Underwriter 3 (Remote)
MGIC
07.2012 - 01.2021
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