Experience

American National Bank & Trust

• United States
• Banking
• 100 - 200 Employee

• Sr. Underwriter

  • Feb 2023 - Present



Mr. Cooper

• United States
• Financial Services
• 700 & Above Employee

• Sr. DE/VA/SAR Govt. Underwriting Team Lead

  • Nov 2015 - Dec 2022



Susser Bank

• United States
• Financial Services
• 200 - 300 Employee

• Sr. Underwriter DE/VA LAPP

  • Jun 2014 - Nov 2015

  Conv/FHA/VA/USDA loans. Retail office, working closely with Loan Officers and Processors. Assist Loan Insuring Dept. with any Insuring issues. Work closely with Closing Dept. with any funding and closing issues and clearing of any conditions. Work with QC Dept. to insure salability of loan files. Conv/FHA/VA/USDA loans. Retail office, working closely with Loan Officers and Processors. Assist Loan Insuring Dept. with any Insuring issues. Work closely with Closing Dept. with any funding and closing issues and clearing of any conditions. Work with QC Dept. to insure salability of loan files.



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• DE/LAPP Underwriter 4

  • Feb 2013 - Mar 2014

  FHA/Underwriting of Loan files. Va/Conv. Mentor to new Underwriters and review work prior to test cases. Work closely with QC Audit to verify sales ability of loan files. Review and analyzation of borrowers tax returns in determining income. Perform Periodic underwriter of the day phone calls answering questions of loan officers/ processors. Work closely with Loan Officers/ Processors on loan files. Working on Six Sigma. FHA/Underwriting of Loan files. Va/Conv. Mentor to new Underwriters and review work prior to test cases. Work closely with QC Audit to verify sales ability of loan files. Review and analyzation of borrowers tax returns in determining income. Perform Periodic underwriter of the day phone calls answering questions of loan officers/ processors. Work closely with Loan Officers/ Processors on loan files. Working on Six Sigma.



Gateway Mortgage

• United States
• Financial Services
• 700 & Above Employee

• QC Auditor/contract position

  • 2014 - 2014

  Quality Control of loans and worked closely with QC Manager on loan audits with FHLMC/VA/FHA. Quality Control of loans and worked closely with QC Manager on loan audits with FHLMC/VA/FHA.



Bank of America

• United States
• Banking
• 700 & Above Employee

• AVP -Sr DE/VA LAPP Underwriter/Internal Auditor II

  • Sep 2008 - Mar 2013

  Bank of America February 2011 to February 2013 Internal Audit II/Reps/Warrants Special Project Ended Work with FNMA/FHLMC on repurchase requests to investigate loan citing’s and appeal loans for BOA so that the loan does not have to be repurchased or LERG loans when necessary. Also work with Bank Attorneys for any legal advice. Also helpful to see what Investors are citing loans for missing documents or inaccurate verified information. Bank of America September 2008 to February 2011 DE Underwriter/VA LAPP • Produced high quality underwriting meeting company QC criteria • Used expertise to assist brokers in putting through saleable loans • Utilized interpersonal skills to build and maintain strong relationships with all parties in the mortgage cycle • Mentor to new Underwriters • Assisted Closing Dept. with clearing of triggers on loans ready to close. Testing for VA LAPP Training/working on test cases



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Senior DE/VA LAPP Underwriter

  • Jul 2007 - Sep 2008

  Sr. Underwriter (lay off) Government/FHA/VA & Conventional Underwriter for Wholesale Division, Help Train Underwriters. Work with Brokers/AE’s on Loan Scenario’s and Investor/Product/Computer questions and loan questions. Also look at loan declines/Refer loans for possible overturns to approve loans. Help Insuring Dept. with insuring of files. Reviewed loans with Fraud • Completed weekly investor updates allowing staff to preview underwriting changes • Produced high volume underwriting resulting in satisfied brokers • Produced high quality underwriting resulting in saleable loans



Citi

• United States
• Financial Services
• 700 & Above Employee

• Credit Trainer

  • Dec 2006 - Jul 2007

  Lay off /Credit Trainer to Underwriters/Designed & Published on line Power Point Training for Fact Act, Calculating Income Refresher Training, and FHA online Storyboard training for Underwriters. Training Credit/Assets/ & Income in Web Class Trainings & Classroom settings. Lay off /Credit Trainer to Underwriters/Designed & Published on line Power Point Training for Fact Act, Calculating Income Refresher Training, and FHA online Storyboard training for Underwriters. Training Credit/Assets/ & Income in Web Class Trainings & Classroom settings.