Tricia Molinari
Land O' Lakes,FL
Summary
Senior Mortgage Underwriter specializing in credit risk analysis, repurchase reviews, and loan quality assurance. Skilled in identifying risk, resolving investor repurchase demands, and ensuring compliance with all agencies.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Credit Risk Analyst and Repurchase Underwriter
Sierra Pacific Mortgage Company
09.2024 - Current
- Analyze credit risk data to support decision making processes.
- Conduct thorough assessments of borrower creditworthiness and financial stability.
- Assist in developing risk models to predict potential defaults.
- Investigate insurer or investor repurchase claims, identifying document gaps, underwriting errors, misrepresentation or non-compliance.
- Provide risk based recommendations and support quality control initiatives.
- Collaborate with quality control, risk management, and legal teams to mitigate repurchase requests and resolve disputes
- Provide feedback and training to underwriting staff to prevent recurring issues and ensure adherence to policies and agency guidelines.
- Participate in the development and enhancement of underwriting policies, procedures, and risk management strategies.
Mortgage Underwriter
Union Home Mortgage
10.2021 - 09.2024
- Ensure loan submittal's meet internal and external eligibility requirements.
- Verified integrity of applicants' information to minimize fraud.
- Underwriting Conventional, FHA, Bond, USDA and VA SAAR Loan Programs
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Review documentation for accuracy and completeness following agency guidelines
- Proficient in Encompass, DU, GUS and LP
Mortgage Underwriter
Caliber Home Loans
09.2020 - 10.2021
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained mortgage program compliance with federal agencies such as Bond,FHA, FHLMC, USDA and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Analyzed Condo and Appraisals to meet agency and occupancy requirements to ensure salability of the file and safety of our client.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Mortgage Underwriter
Union Home Mortgage
04.2018 - 09.2020
- Underwriting Conventional, FHA, and USDA Loan Programs as well as State bond loans
- Ensure loan submittal's meet internal and external eligibility requirements.
- Attention to detail in underwriting mortgages while meeting strict time and pipeline management
- Review documentation for accuracy and completeness following agency guidelines
- Ability to handle volume while continuing to pay close attention to detail.
- Proficient in Encompass, DU, GUS and LP
Mortgage Underwriter
VanDyk Mortgage Corporation
05.2013 - 04.2018
- Ensure loan submittal's meet internal and external eligibility requirements. Experience in Underwriting Conventional, USDA and State Bond Loan Programs which include several States
- Maintain attention to detail in underwriting mortgages while meeting strict time and pipeline management
- Review documentation for accuracy and completeness
- Ability to handle high volume while continuing to pay close attention to detail.
- Proficient in Encompass, DU and LP
- Strong verbal and written communication skills
Catering Director
Lackmann Culinary Services, Raymond James Financial
01.2010 - 05.2013
- Plan and implement all seminars, meetings, and corporate events.
- Serve as client's primary planner to develop menus, purchasing of rentals, booking space, decor, and all staffing needs.
- Supervise Culinary production, set up and service to insure client's vision while maintaining our forecasted budget and food cost.
- Continually creating new business by building our reputation for quality food and service.
Executive Chef and Catering Director
Evangelista's Café
01.2008 - 01.2010
- Chef & Catering Director
- Maintained all scheduling and financial obligations.
- Created innovative foods using local sustainable products when available.
- Focused on high quality fresh approaches to create unique menus.
- Catered Daily events for Penn State University and their Fraternities while building excellent customer relationships
Certified Dietary Manager/Food Service Director
Fairways at Brookline Village
01.2005 - 01.2009
- Managed private skilled nursing facility's Food Service department and Directly worked with the facilities Dietician to maintain each resident's nutritional and wound profile.
- Directed and trained all Dietary Staff while maintaining labor, food cost, scheduling, inventory and purchasing.
- Responsible for all Sanitation, HACCP control and safety guidelines
Education
Certified Dietary Manager and Certified Food Protection Professional - Nutrition
Elizabethan Technology
Elizabethan Tennessee2006
Associate of Science - Culinary Arts
Florida Culinary Institute
West Palm Beach Florida2004
Skills
- Risk assessment
- Credit analysis and risk
- Microsoft Excel proficiency
- Risk mitigation strategies
- Industry standards
- Underwriting
- Credit decision making
- Teamwork and collaboration
Certification
Fully designated to include Conventional, FHA, USDA and VA SAAR
Timeline
Credit Risk Analyst and Repurchase Underwriter
Sierra Pacific Mortgage Company
09.2024 - Current
Mortgage Underwriter
Union Home Mortgage
10.2021 - 09.2024
Mortgage Underwriter
Caliber Home Loans
09.2020 - 10.2021
Mortgage Underwriter
Union Home Mortgage
04.2018 - 09.2020
Mortgage Underwriter
VanDyk Mortgage Corporation
05.2013 - 04.2018
Catering Director
Lackmann Culinary Services, Raymond James Financial
01.2010 - 05.2013
Executive Chef and Catering Director
Evangelista's Café
01.2008 - 01.2010
Certified Dietary Manager/Food Service Director
Fairways at Brookline Village
01.2005 - 01.2009
Certified Dietary Manager and Certified Food Protection Professional - Nutrition
Elizabethan Technology
Associate of Science - Culinary Arts
Florida Culinary Institute
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