Wendy Evers
Jacksonville Beach ,FL
Summary
Mortgage underwriting professional with robust history of evaluating loan applications and ensuring adherence to financial standards. Proven ability to collaborate with team members and adapt to evolving industry requirements. Recognized for keen analytical skills and reliability in delivering accurate assessments.
Overview
14
14
years of professional experience
Work History
Mortgage Underwriter III
Radian
09.2024 - Current
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Reviewed appraisals and title documents to verify accuracy and completeness.
Mortgage Underwriter III
Radian
07.2015 - 05.2023
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Consistently upheld high quality standards while meeting all Service Level Agreements (SLA)
- Served as a Contract Underwriter for multiple external clients including, Flagstar Bank, Guaranteed Rate, and Prosperity Home Loans
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Awarded Top Production for Dedicated Underwriter 1st Quarter 2019
Specialty Mortgage Underwriter III
JP Morgan Chase
05.2013 - 03.2015
- Reviewed and assessed credit, income, assets, and collateral documentation for designated loans to ensure compliance with Chase and investor guidelines, and addressed conditions as necessary
- Reviewed loan submissions from branch Underwriters that required company exceptions beyond Chase overlays
- Met and exceeded established Production and Quality Standards consistently while meeting SLAs
- Prepared written recommendations for Senior Management regarding viable counteroffers for High-Net-Worth clients
- Recognized as Top Underwriter in SUW for October 2014 based on productivity and quality
- Achieved a top 10 national ranking for productivity in the 1st through 3rd quarters of 2014 and ranked in the top 12% nationwide for overall performance while consistently meeting Chase quality standards
Mortgage Underwriter III
PHH Mortgage Corporation
11.2010 - 05.2013
- Reviewed and signed off on pre-registered loans for compliance with PHH Mortgage and investor guidelines based on information provided within the loan application
- Collaborated with over a dozen client sources, including First Tennessee Bank and KeyBank, each with unique client-specific overlays
- Reviewed credit, income, and asset documentation, and collaborated with higher-level Analysts or Supervisors to explore potential alternatives for loans that fall outside established guidelines
- Met and exceeded established Production and Quality standards consistently while meeting SLAs
Education
Bachelor of Arts - Journalism And Mass Communication
Valdosta State University
Valdosta, GA12-2000
Skills
- Strong verbal and written communication
- Experienced in Learning Operating Systems Independently
- Self-Motivated Professional with strong multitasking abilities
- Time management
- Residential mortgage lending regulations
- Organizational skills
- Effective communication
- Thorough Quality Assurance
Timeline
Mortgage Underwriter III
Radian
09.2024 - Current
Mortgage Underwriter III
Radian
07.2015 - 05.2023
Specialty Mortgage Underwriter III
JP Morgan Chase
05.2013 - 03.2015
Mortgage Underwriter III
PHH Mortgage Corporation
11.2010 - 05.2013
Bachelor of Arts - Journalism And Mass Communication
Valdosta State University
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