Summary
Overview
Work History
Education
Skills
Personal Information
Timeline
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Vivian Betts

Glenn Heights,TX

Summary

Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Adds value to any organization in need of great collaboration, interpersonal and multitasking abilities. Meets tight deadlines.

Overview

10
10
years of professional experience

Work History

Sr. Underwriter /FHA DE

Churchill Mortgage- Remote
Nashville, TN
08.2020 - 08.2023
  • Analyzed risk factors and structured complex loan transactions
  • Managed a heavy workload of up to 8-10 files per day; maintained excellent quality and met all deadlines for QA reviews, flow loan reviews, and bulk due diligence
  • Selected to mentor a newly hired underwriter
  • Analyzed paystubs, tax returns, P &L statements, and other supplemental financial documentation to grant loan request
  • Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision
  • Received lender's authority qualifying my ability to underwrite conventional and HARP loans, HELOC, HOME Equity (Freddie Mac, Fannie Mae, DU) and Jumbo
  • Order Mortgage Insurance from all the major companies (Radian, Genworth, MGIC, National MI, Essence) per DU and LP guidelines.

Sr. Underwriter

Credit Union of Texas
Dallas, TX
08.2017 - 08.2020
  • Analyzed risk factors and structured complex loan transactions
  • Managed a heavy workload of up to 8-10 files per day; maintained excellent quality and met all deadlines for QA reviews, flow loan reviews, and bulk due diligence
  • Selected to mentor a newly hired underwriter
  • Analyzed paystubs, tax returns, P &L statements, and other supplemental financial documentation to grant loan request
  • Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision
  • Received lender's authority qualifying my ability to underwrite conventional and HARP loans, HELOC, HOME Equity (Freddie Mac, Fannie Mae, DU) and Jumbo
  • Order Mortgage Insurance from all the major companies (Radian, Genworth, MGIC, United Guaranty, CMG Mortgage) per DU and LP guidelines.

Loan Underwriting,Closer Processor

BB&T
Plano, TX
03.2013 - 04.2017
  • Analyzed risk factors and structured complex loan transactions
  • Managed a heavy workload of up to 8-10 files per day; maintained excellent quality and met all deadlines for QA reviews, flow loan reviews, and bulk due diligence
  • Selected to mentor a newly hired underwriter
  • Promoted from Underwriter I to Underwriter II within six months
  • Analyzed paystubs, tax returns, P &L statements, and other supplemental financial documentation to grant loan request
  • Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision
  • Received lender's authority qualifying my ability to underwrite conventional and HARP loans (Freddie Mac, Fannie Mae, DU)
  • Order Mortgage Insurance from all the major companies (Radian, Genworth, MGIC, United Guaranty, CMG Mortgage) per DU and LP guidelines.
  • Managed a high volume of files on a daily basis.
  • Liaised between front line and lender or portfolio manager and underwriting.
  • Answered questions and advised customers regarding loans and transactions.
  • Advised clients on legal matters related to real estate transactions.

Education

Skills

  • Mortgage Loan Underwriting
  • Loan Processor
  • Closer
  • FHA Federal Housing Administration (FHA) Loans
  • VA Veteran Administration (VA) loans
  • Conventional Loans
  • Sub-Prime Underwriting
  • Financial Statement Review
  • Unifi
  • Empower
  • Encompass
  • HUD-1 Settlements
  • USDA
  • VHDA Loans
  • TRID/Candor
  • Loan Beam
  • TSAHC Bond
  • OK Bond
  • OH Bond
  • Conv No Score
  • Certified No Scores Program
  • DE Certified FHA
  • Data Collection
  • Renewing Policies
  • Risk Evaluations
  • Relationship Building
  • Business Development
  • Quoting and Pricing Policies
  • Guidelines Knowledge
  • Quality Control
  • Quality Assurance
  • Analyzing Data
  • Risk Assessments
  • Trend Analysis

Personal Information

Title: Certificate of Completion FHA/VA Underwriting- DE Certified

Timeline

Sr. Underwriter /FHA DE

Churchill Mortgage- Remote
08.2020 - 08.2023

Sr. Underwriter

Credit Union of Texas
08.2017 - 08.2020

Loan Underwriting,Closer Processor

BB&T
03.2013 - 04.2017

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Vivian Betts