Trenchia Mckinnie
Mortgage Professional
Gotha FL
Summary
My home finance career spans 9 years, with exposure to VA, FHA, and Conventional Purchases and Refinances. My attributes include being detail oriented, self-motivated, goal driven, strong analytical and judgment skills, and multi-tasking abilities. I further excel in consistently delivering flexible solutions to resolve internal and external client issues while delivering a level of exceptional service through communicating clearly, and electively verbally and in writing.
Overview
9
9
years of professional experience
Work History
Junior Underwriter
Guaranty Home Mortgage Corporation
11.2020 - 01.2022
- Manage and underwrite Conventional, VA, and FHA First mortgage and Refinance loans for approval by ensuring all documentation is accurate and complete
- Interact with clients and utilize excellent communication and organizational skills to manage loan portfolios
- Reviewed and evaluated information on mortgage loan documents to determine if buyer, property and loan conditions meet investor underwriting guidelines
- Reviewed, analyzed and made final determination on loan submissions using manual underwriting guidelines as well as validating Automated Underwriting recommendations per DU/LP
- Performed income, asset, credit and appraisal analysis to approve/decline loan applications based on investor guidelines
- Analyzed and evaluated consumer home loan applications and the supporting documentation to assess borrowers' credit worthiness
- Review and analyze borrower documentation to determine income and repayment capacity on self employed borrowers and other more complex files
- Analyzed Tax Returns for Self Employed Borrowers inclusive of K-1's, Sch C's and rental agreements
- Determined and documented loan conditions and communicated requirements and decisions.
- Supported review and acceptance or denial of new or renewal business.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
Senior Mortgage Processor
USAA
03.2020 - 11.2020
- Responsible for collecting and verifying all documentation related to VA Purchases and IRRRL's
- Verify income and employment documentation to confirm ratios are in line and within DTI tolerance
- Accurately analyze credit, calculate income, and evaluate assets, liabilities, and collateral
- Order CAIVRS, CEO's and LIN
- Schedule closing, order mortgage insurance certificates and perform post closing calls to assure customer satisfaction
- Resolve Complex Title Issues related to UCC Liens, Tax Liens, Judgments,
- TRID
- Analyze Potential Red Flags as related to the entire loan Process
Senior Mortgage Processor
Bank Of America
04.2013 - 02.2020
- Responsible for collecting and verifying all documentation required for loan submissions
- Verify income and employment documentation to confirm ratios are in line and within DTI tolerance
- Accurately analyze credit, calculate income, and evaluate assets, liabilities, and collateral
- Ensure loan submissions meet agency and government guidelines prior to UW review
- Schedule closing, order mortgage insurance certificates and perform post closing calls to assure customer satisfaction
- Resolve Complex Title Issues related to UCC Liens, Tax Liens, Judgments,
- TRID
- Analyze Potential Red Flags as related to the entire loan Process
- Conventional, first mortgage and HELOC processing experience
Education
Marketing/Management
Florida Metropolitan University
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Plant City High School
Skills
- Loss protection
- Quality assurance
- Relationship building
- Time management
- Risk management
- Data analysis
- Dependable and Responsible
- Critical Thinking
- Good Telephone Etiquette
- Multitasking Abilities
- Organization and Time Management
- Microsoft Software Proficiency
- MS Office
- Google Workspace
- Teamwork and Collaboration
- Written Communication
- Flexible and Adaptable
- Attention to Detail
- Decision Making
- Analytical and Critical Thinking
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Junior Underwriter
Guaranty Home Mortgage Corporation
11.2020 - 01.2022
Senior Mortgage Processor
USAA
03.2020 - 11.2020
Senior Mortgage Processor
Bank Of America
04.2013 - 02.2020
Marketing/Management
Florida Metropolitan University
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Plant City High School
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