Summary
Overview
Work History
Education
Skills
Work Availability
Quote
Timeline
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Tori Tucker

Senior Mortgage Underwriter
Atlanta,GA

Summary

Analytical mortgage underwriter with 10 years of experience examining and validating Conventional, FHA, and USDA RD mortgage loans automated and manual underwriting, seeking to expand my skill set by obtaining VA LAPP SAR and CHUMS ID. Driven by ensuring compliance with internal and investor guidelines and niche for delivering excellent communication and service to customers and loan partners.

Overview

11
11
years of professional experience

Work History

Underwriter Compliance Analyst

SitusAMC
01.2018 - Current
  • Conducted comprehensive analysis of qualifying loan documentation income/employment, personal and business tax returns, debt-to-income ratio, consumer credit reports, asset statements/source of funds, loan-to-value ratio, collateral valuation.
  • Examined fix and flip, debt service coverage ratio, bridge, and construction loans by examining As-is value, rehab budget, and After Repair Value and Loan-to-cost are in compliance with investment standard.
  • Mastered the guidelines, system, and procedures of client-facing special project and assignments on multiple occasions from business services offered by the company in a condensed period of time for project completion.

Senior Mortgage Underwriter

Direct Mortgage Funding
07.2020 - 11.2022
  • Minimized loss by using sound judgement and strong attention to detail of manual and desktop underwriting to investor, company and regulatory guidelines.
  • Delivered stellar customer service through exceptional relationship building with sales partners, team members, and management staff to ensure that loans are completed within a timely manner.
  • Maximized efficiency of complex tax returns analysis through the heavy volume of mortgage requests of borrowers with multiple lines of business and REO.

Mortgage Underwriter

Ruoff Home Mortgage
03.2016 - 12.2017
  • Applied federal, state, and local laws and regulations knowledge to underwrite USDA and Conventional loan programs.
  • Assured service level agreement deadlines met and/or exceeded through review and clearance of conditions for FHA credit and collateral.
  • Strengthened analytical ability of complex tax returns, multi-family and single-family with ADU through a heavy volume of mortgage requests.

Mortgage Underwriter III

Wells Fargo Home Mortgage
05.2012 - 03.2016
  • Produced quality loan approval, counter- offer, or denial decisions through understanding of credit risk analysis on conventional and FHA mortgage loan requests.
  • Analyzed capacity, capital, collateral and credit to ensure accuracy with extensive company overlay and procedure adherence.
  • Orchestrated a new hire program for team members to become fully acclimated test case process, company acronyms, and various departmental contacts to increase employee retention.

Education

High School Diploma -

Eisenhower Senior High School
Rialto, CA
06.1996

Skills

Communication skills

Desktop Underwriter

Loan Prospector
Analytical skills

Multi-tasking

Mentorship

Problem-solving

Encompass LOS
Microsoft Office Suite

Leadership skills

Time management

Non-QM Jumbo

Loss Mitigation

Loan Structuring and Scenarios Manual Underwriting GUS

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote

The problem is not to find the answer; it’s to face the answer.
Terence McKenna

Timeline

Senior Mortgage Underwriter

Direct Mortgage Funding
07.2020 - 11.2022

Underwriter Compliance Analyst

SitusAMC
01.2018 - Current

Mortgage Underwriter

Ruoff Home Mortgage
03.2016 - 12.2017

Mortgage Underwriter III

Wells Fargo Home Mortgage
05.2012 - 03.2016

High School Diploma -

Eisenhower Senior High School

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Tori TuckerSenior Mortgage Underwriter