Natalie A. Rustin
Summary
Extensive mortgage underwriting experience within Home Equity and First Mortgage. Passionate about Underwriting policies and procedures. Flexible and adaptable to change with ability to build and maintain positive rapport with partners and deliver exquisite customer service. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled Mortgage Underwriter. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
24
24
years of professional experience
Work History
Mortgage Underwriter
Rocket Mortgage
05.2020 - Current
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- 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.
- Manually underwrote mortgage loans based on investor guidelines.
Credit Quality Auditor and Team Leader
Accenture Credit Services / Zenta Mortgage
08.2015 - 03.2020
- Successfully managed team of 17 processors and underwriters, providing assistance and answering questions.
- Adhered to all applicable compliance and regulatory requirements.
- Collaborated with director on process improvement initiatives to attain goals.
- Created training material and delivered clinics to improve production and knowledge.
Mortgage Underwriting Manager: Vice President
Bank Of America
01.2011 - 08.2015
- Managed a team of Credit Administrators and Senior Underwriters
- 500,000 - $2,000,000 lending authority
- Led the only Platinum Privilege Purchase team on the West Coast
- Managed the #1 ranked Underwriting team in the nation
- Ranked #1 in Customer Delight on a consistent basis
- Directed a team of US Trust and Platinum Senior Underwriters and Underwriters
- Hosted National calls with senior executives and peers
Credit Administrator: Vice President
Bank Of America
01.2008 - 01.2011
- One of few, Nationwide, that coached and advised on process and policies
- Created training materials and developed and delivered clinics
- Trained associates to review Trust Agreements and complex Title Reports
- Taught full and complex income analysis courses including business and personal tax returns
- Approved waivers on loans that did not meet Bank of America guidelines
- Manually underwrote mortgage loan transactions
- 2,000,000 lending authority
Mortgage Underwriter: AVP
Bank Of America
01.2000 - 01.2008
- Underwrote home related loans by balancing risk and reward
- Thoroughly reviewed all aspects of complex loan requests
- Analyzed income documents, including tax returns, pay stubs, and W-2's
- Interacted with internal and external customers
- Nationally ranked in the top 10% in production on a continual basis
- 1,000,000 lending authority
Education
High School Diploma -
Oakmont High School
Roseville, CASkills
- Financial Service Solutions
- Key Performance Indicators (KPI)
- Loan Restructuring
- Production Focused
- Analytical Skills
- Business Ethics
Timeline
Mortgage Underwriter
Rocket Mortgage
05.2020 - Current
Credit Quality Auditor and Team Leader
Accenture Credit Services / Zenta Mortgage
08.2015 - 03.2020
Mortgage Underwriting Manager: Vice President
Bank Of America
01.2011 - 08.2015
Credit Administrator: Vice President
Bank Of America
01.2008 - 01.2011
Mortgage Underwriter: AVP
Bank Of America
01.2000 - 01.2008
High School Diploma -
Oakmont High School
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