Tricia Taylor

Conventional and Non Agency Jumbo loan reviews for new home builder. Underwrite to multiple investor guidelines for jumbos. DE transferred to current employer but not used.

• Reviewed appraisals and title documents to verify accuracy and completeness.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Approved or denied loans based on established criteria and underwriting guidelines.

• Primarily review purchase and refinance transactions for the top 25 producing Loan Officers for the eastern half of the U.S. with loan amounts up to $8MM making careful determinations based on skilled risk analyses of all submitted documentation.
• Structure and submit loans for exceptions on portfolio products.
• Participate in monthly Loan Committee meetings to review loans recommended by other Underwriters for decline insuring no other options exist before final decline signatures are issued.
• Participate in training new hires on lender guidelines and internal systems.
• Consistently rank at the top for excellent quality among all peers.

• Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.

Partnered with Sales Manager to open E*Trade's Western Region Ops Center. Responsible for hiring and training all new Underwriters.

Underwriting authority $2MM with temporary authority up to $4MM when VP of Risk was out for extended times.

Responsible for working with Pricing Desk to grant exceptions to guidelines on portfolio products.

• Conventional, FHA and VA Automatic loan reviews primarily for new home builder.