Victoria Price
Frisco
Summary
Seasoned DE Underwriter with over 20 years of experience in risk analysis, credit evaluation, and manual/AUS underwriting. Skilled in DU, LP, and Total Scorecard recommendations, with a proven track record of minimizing bank losses and effectively communicating loan decisions. Seeking to leverage expertise in a Senior DE Underwriting role to ensure accurate and compliant loan underwriting.
Overview
14
14
years of professional experience
Work History
DE Underwriter
KBHS Home Loans
09.2017 - Current
- Evaluate credit, income, and asset documentation to analyze and assess risk exposure
- Conducted underwriting assessments according to multiple lender guidelines and requirements.
- Adhere to company guidelines to mitigate potential financial losses to the institution
- Conduct comprehensive reviews of property appraisals, initiating corrections as required to ensure accuracy
- Underwrite loan files in accordance with DU, LP, and Total Scorecard recommendations, including manual underwriting processes, while scrutinizing income calculations and asset reviews for irregular transactions
- Proficient with Encompass LOS
- Provided training and mentorship to junior underwriters, enhancing their skill sets and overall team performance.
DE Underwriter
SecurityNational
02.2017 - 07.2017
- Assessed and mitigated lending risks by meticulously evaluating borrower documentation related to credit, income, and assets
- Diligently reviewed and corrected property appraisals to ensure accurate valuation and compliance with financial regulations
- Executed comprehensive income and asset analysis, identifying and investigating irregular transactions, to uphold financial integrity
- Collaborated with processing teams to resolve discrepancies in loan files, ensuring timely completion of applications.
- Reduced company risk exposure by carefully assessing borrowers'' ability to repay loans.
DE Underwriter
Guaranteed Rate
06.2016 - 01.2017
- Analyzed and assessed risk exposure by meticulously reviewing financial documentation and collateral information
- Applied both automated underwriting systems and manual processes to evaluate loan applications, ensuring compliance and sound judgment
- Communicated loan evaluations, decisions, and required corrections effectively to loan officers and processors, facilitating clear and timely transactions
- Established and maintained positive working relationships with co-workers, staff and external contacts.
DE Underwriter
DHI Mortgage
09.2013 - 04.2016
- Analyzed and assessed credit, income, and asset documentation to evaluate risk exposure
- Adhered to company guidelines to mitigate potential financial losses during the underwriting process
- Reviewed and ensured the accuracy of appraisals, requesting corrections as needed, and effectively communicated underwriting decisions to relevant parties
- Achieved high levels of customer satisfaction by providing clear explanations of underwriting decisions and addressing any concerns or questions promptly.
- Reviewed appraisal reports for accuracy and consistency, ensuring collateral met established guidelines before approving loans.
Business Banking Underwriter
JP Morgan Chase
09.2011 - 09.2013
- Evaluated financial risk by thoroughly analyzing documentation, interpreting financial statements, and assessing tax returns to inform loan decisions
- Completed underwriting processes, ensuring compliance with both program guidelines and company policies, and effectively communicated loan decisions to relevant parties
- Contributed to the successful launch of a new underwriting center by completing formal credit training, acquiring lending authority, and mentoring incoming staff
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
Education
BS - Social Sciences, Economics
Florida State University
Associates Degree -
Florida Community College at Jacksonville
Skills
- Proficient in Microsoft Word
- Excel Proficiency
- Analytical Proficiency
- DU/LP Expertise
- Strong Time Management
- Strong Interpersonal Skills
- Encompass LOS
- Effective Team Collaboration
- Meticulous Attention to Detail
- Proficient in Problem Resolution
- Risk Evaluation
- Appraisal review
- Credit Risk Assessment
Timeline
DE Underwriter
KBHS Home Loans
09.2017 - Current
DE Underwriter
SecurityNational
02.2017 - 07.2017
DE Underwriter
Guaranteed Rate
06.2016 - 01.2017
DE Underwriter
DHI Mortgage
09.2013 - 04.2016
Business Banking Underwriter
JP Morgan Chase
09.2011 - 09.2013
Associates Degree -
Florida Community College at Jacksonville
BS - Social Sciences, Economics
Florida State University
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