VICTORIA CRAVEN
Springhill,FL
Summary
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with deep understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels . Outstanding communication, active listening and organizational talents. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Versatile candidate professional with over 15 years in the industry.
Overview
15
15
years of professional experience
Work History
Loss Mitigation/Forensic Mortgage Underwriter
Digital Risk
08.2020 - Current
- Lead Compliance Underwriter/Auditor - Remote
- Full file audits and manual re-underwriting Specialized in: Lending & Underwriting Guidelines | Credit & Income Analysis | Cash-Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to Income Ratios | Conventional & Government Mortgages | Conforming & Nonconforming Loans
- Learned and adapted quickly to new technology and software applications.
- Skilled at working independently and collaboratively in a team environment.
- Organized and detail-oriented with a strong work ethic.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Assessed loan portfolios for compliance with underwriting policies.
- Researched and updated industry knowledge on changing legislation and regulations.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- 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.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Promoted to 3rd level review to complete peer reviews and ensure accuracy
to ensure accuracy
Forensic Mortgage Due Diligence/Credit Underwriter
CLAYTON HOLDINGS, LLC. - In Office And Remote
10.2012 - 12.2019
- Full file audits and manual re-underwriting
Specialized in: Lending & Underwriting Guidelines
| Credit & Income Analysis | Cash-Flow Analysis |
Risk Assessment | Loan-to-Value Ratios | Debt-to-
Income Ratios | Conventional & Government
Mortgages | Conforming & Nonconforming Loans
| Arms | Account Service Excellence | Compliance | Securitization |TRID | CFPB Compliance/Regulations | Risk Management - Collaborate and consult with professionals and management to resolve problems and achieve objectives.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Researched and updated industry knowledge on changing legislation and regulations.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
- Trained junior team members in underwriting procedures and loan quality grading standards.
VA Mortgage Processor II
USAA
03.2012 - 08.2012
- Processed routine to moderately complex conventional or VA mortgage loans according to product guidelines through validation of credit and collateral documentation
- Analyzed all pertinent financial and credit data to determine the acceptability of the loan risk for bank/investor policy.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Communicated with originator and applicant concerning progress of loan file.
Home Mortgage Specialist II/Mortgage Underwriter
Bank of America
03.2009 - 02.2012
- Origination Underwriting
- (SASE 1) Authority
- Communicated with originator and applicant concerning progress of loan file.
- Processed loan applications and monitored progress from origination to closing.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Monitored 100 loan pipelines to track and log status of loans.
- Assisted customers with completing loan applications and other paperwork.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Education
High School Diploma -
Littleton High School
Littleton, CO 05.2001 -
Skills
Non-QM Markets
Residential Loans
FHLMC Guidelines
Application Analysis
Debt-to-Income Ratios
Loan to Value Ratio Calculations
FNMA Guidelines
Creditworthiness Determination
Customer Relations
Attention to Detail
Automated Underwriting System (AUS)
Credit History Review
Regulatory Compliance
Practiced at FHA Loan Process
Analytical and Critical Thinking
Verbal and Written Communication
Mortgage Loan Origination UW
Timeline
Loss Mitigation/Forensic Mortgage Underwriter
Digital Risk
08.2020 - Current
Forensic Mortgage Due Diligence/Credit Underwriter
CLAYTON HOLDINGS, LLC. - In Office And Remote
10.2012 - 12.2019
VA Mortgage Processor II
USAA
03.2012 - 08.2012
Home Mortgage Specialist II/Mortgage Underwriter
Bank of America
03.2009 - 02.2012
High School Diploma -
Littleton High School
05.2001 -