Experience

Sipley The Best

• United States
• Human Resources Services
• 1 - 100 Employee

• Human Resources Administrative Assistant

  • Feb 2023 - Present

  * Assists with recruiting, career coaching clients, and administrative duties at Sipley The Best. * Facilitates the job seeking process for Spanish-speaking clients. * Assists with recruiting, career coaching clients, and administrative duties at Sipley The Best. * Facilitates the job seeking process for Spanish-speaking clients.



Cardinal Financial Company, Limited Partnership

• United States
• Financial Services
• 700 & Above Employee

• Remote Underwriter IV

  • Nov 2020 - Oct 2022

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less



Guaranteed Rate

• United States
• Financial Services
• 700 & Above Employee

• Remote Government Underwriter

  • Jul 2020 - Oct 2020

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less



Stearns Lending (NMLS #1854)

• Remote Underwriter III

  • Jun 2016 - Jun 2020

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less



Home Point Financial

• United States
• Banking

• Senior Mortgage Underwriter

  • Sep 2015 - Jun 2016

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24-48 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Trained new underwriter in Encompass LOS and VA appraisal reviews. Show less



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Senior Mortgage Underwriter IV

  • Nov 2011 - Sep 2015

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. SME for new underwriter in system and guidelines Show less



MetLife Home Loans

• United States
• Financial Services
• 700 & Above Employee

• Senior Mortgage Underwriter

  • Nov 2010 - Nov 2011

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24-48 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less



Wells Fargo Home Mortgage

• United States
• Banking

• Senior Mortgage Underwriter

  • Jan 2009 - Nov 2010

  Authorizes and underwrites loans New decisions 3-4, and 10-12 conditions within 24-48 hours Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. This position is considered a non-loan originator position, this means participants may not engage in activities of a loan originator, including communicating directly with borrowers about credit qualification or loan terms, including pricing concessions or other transaction-specific terms or conditions. Show less



MFC Mortgage Co

• United States
• Financial Services

• Senior Mortgage Underwriter

  • Jan 2007 - Dec 2008

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24-48 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less

• Senior Mortgage Underwriter

  • Oct 2004 - Jan 2007

  Authorizes and underwrites loans 3-4, New decisions, and 10-12 conditions within 24 hours or received. Reviews loan package for required documentation. Analyzing loan risk and requesting additional information, as necessary. Ensures loan package meets compliance guidelines and fixing discrepancies as necessary Making loan eligibility decisions and approving or rejecting applications. Serves as liaison between Lender and closing agent. Calculates funding amount for each loan package, balances figures with closing agent, releases wire and funds loan. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less