Experience

Blackhawk Bank

• United States
• Banking
• 100 - 200 Employee

• Senior Mortgage Underwriter

  • Jan 2022 - Sep 2022



Interfirst Mirtgage Company

• Mortgage Loan Underwriter Team Lead

  • Mar 2020 - Jan 2022



Diamond Residential Mortgage Corporation

• Financial Services
• 100 - 200 Employee

• Sr. Mortgage Underwriter

  • Jun 2017 - Mar 2020

  • Verified all loan applications for compliance for underwriting, investor, government, USDA and FNMA/FHLMC guidelines. • Validated all AUS findings (DU, GUS and LP) to determine all findings are met. • Calculated various types of income and assets (personal and business tax returns), reviewed loan to value ratios, debt to income ratios, credit reports, appraisals, and title documents. Reviewed loan terms to ensure they meet program guidelines. • Applied company and investor… Show more • Verified all loan applications for compliance for underwriting, investor, government, USDA and FNMA/FHLMC guidelines. • Validated all AUS findings (DU, GUS and LP) to determine all findings are met. • Calculated various types of income and assets (personal and business tax returns), reviewed loan to value ratios, debt to income ratios, credit reports, appraisals, and title documents. Reviewed loan terms to ensure they meet program guidelines. • Applied company and investor underwriting guidelines and made sound credit decisions to ensure all loans underwritten were eligible for sale. • Consistently maintained a high level of accuracy to meet all FNMA, FHLMC, FHA and USDA guidelines and investor overlays. • Revisited loans to review and clear conditions. • Approved, countered or denied loans. • Collaborated closely with loan officers, loan processors and closer's. • Maintained the required turnaround time of 24-48 hours for new loans and re-submissions. Show less • Verified all loan applications for compliance for underwriting, investor, government, USDA and FNMA/FHLMC guidelines. • Validated all AUS findings (DU, GUS and LP) to determine all findings are met. • Calculated various types of income and assets (personal and business tax returns), reviewed loan to value ratios, debt to income ratios, credit reports, appraisals, and title documents. Reviewed loan terms to ensure they meet program guidelines. • Applied company and investor… Show more • Verified all loan applications for compliance for underwriting, investor, government, USDA and FNMA/FHLMC guidelines. • Validated all AUS findings (DU, GUS and LP) to determine all findings are met. • Calculated various types of income and assets (personal and business tax returns), reviewed loan to value ratios, debt to income ratios, credit reports, appraisals, and title documents. Reviewed loan terms to ensure they meet program guidelines. • Applied company and investor underwriting guidelines and made sound credit decisions to ensure all loans underwritten were eligible for sale. • Consistently maintained a high level of accuracy to meet all FNMA, FHLMC, FHA and USDA guidelines and investor overlays. • Revisited loans to review and clear conditions. • Approved, countered or denied loans. • Collaborated closely with loan officers, loan processors and closer's. • Maintained the required turnaround time of 24-48 hours for new loans and re-submissions. Show less



Interfirst Mortgage Company

• United States
• Financial Services
• 100 - 200 Employee

• Sr Mortgage Underwriter IV

  • May 2010 - Feb 2017

  Sr. Mortgage Underwriter IV- Team Lead - Worked remote. FHA DE/Conventional Underwriter/NC Jumbo Underwriter Company closed in 2017. Worked Remote Wholesale, Retail, • Demonstrated leadership in the role of Team Lead from 2012 to 2016. Managed a team of 5-6 Underwriters and served as a resource to problem solve and mediate between underwriters, internal staff, and outside brokers. Performed discretionary loan reviews for Underwriters on my Team. Still underwrote a small pipeline… Show more Sr. Mortgage Underwriter IV- Team Lead - Worked remote. FHA DE/Conventional Underwriter/NC Jumbo Underwriter Company closed in 2017. Worked Remote Wholesale, Retail, • Demonstrated leadership in the role of Team Lead from 2012 to 2016. Managed a team of 5-6 Underwriters and served as a resource to problem solve and mediate between underwriters, internal staff, and outside brokers. Performed discretionary loan reviews for Underwriters on my Team. Still underwrote a small pipeline of loans. • Trained new Underwriters on Underwriting system and Interfirst Policies and procedures. • Utilized LP and DU, and manual underwriting for NC Jumbo loans. • Calculated various types of income and assets (personal and business tax returns), reviewed loan values/loan to value ratios, debt to income ratios, credit reports, appraisal, and title documents. Knowledge and implementation of mortgage insurance guidelines. • Consistently maintained a high level of accuracy to meet all FNMA, FHLMC, FHA and manual guidelines. • Collaborated closely with loan officers, brokers and processors. • Revisited loans to review and clear conditions. • Approved, countered or denied loan files. • Set personal performance plans to achieve monthly and yearly goals. Show less Sr. Mortgage Underwriter IV- Team Lead - Worked remote. FHA DE/Conventional Underwriter/NC Jumbo Underwriter Company closed in 2017. Worked Remote Wholesale, Retail, • Demonstrated leadership in the role of Team Lead from 2012 to 2016. Managed a team of 5-6 Underwriters and served as a resource to problem solve and mediate between underwriters, internal staff, and outside brokers. Performed discretionary loan reviews for Underwriters on my Team. Still underwrote a small pipeline… Show more Sr. Mortgage Underwriter IV- Team Lead - Worked remote. FHA DE/Conventional Underwriter/NC Jumbo Underwriter Company closed in 2017. Worked Remote Wholesale, Retail, • Demonstrated leadership in the role of Team Lead from 2012 to 2016. Managed a team of 5-6 Underwriters and served as a resource to problem solve and mediate between underwriters, internal staff, and outside brokers. Performed discretionary loan reviews for Underwriters on my Team. Still underwrote a small pipeline of loans. • Trained new Underwriters on Underwriting system and Interfirst Policies and procedures. • Utilized LP and DU, and manual underwriting for NC Jumbo loans. • Calculated various types of income and assets (personal and business tax returns), reviewed loan values/loan to value ratios, debt to income ratios, credit reports, appraisal, and title documents. Knowledge and implementation of mortgage insurance guidelines. • Consistently maintained a high level of accuracy to meet all FNMA, FHLMC, FHA and manual guidelines. • Collaborated closely with loan officers, brokers and processors. • Revisited loans to review and clear conditions. • Approved, countered or denied loan files. • Set personal performance plans to achieve monthly and yearly goals. Show less



Vision Mortgage Group

• Rockford, Illinois Area

• Sr. Mortgage Underwriter

  • Apr 2009 - May 2010

  FHA DE/Conventional Underwriter/USDA Retail • Underwrote to FNMA, USDA and FHA guidelines. • Utilized DU and GUS • Collaborated with Loan Officers and Processors on training and answering questions. • Calculated various types of income and assets (personal and business tax returns), reviewed loan values/loan to value ratios, debt to income ratios, credit reports, appraisal and title documents. Knowledge of implementation of mortgage insurance… Show more FHA DE/Conventional Underwriter/USDA Retail • Underwrote to FNMA, USDA and FHA guidelines. • Utilized DU and GUS • Collaborated with Loan Officers and Processors on training and answering questions. • Calculated various types of income and assets (personal and business tax returns), reviewed loan values/loan to value ratios, debt to income ratios, credit reports, appraisal and title documents. Knowledge of implementation of mortgage insurance guidelines. • Consistently maintained a high level of accuracy to meet FNMA, GUS and FHA guidelines. • Revisited loan to review and clear conditions. Show less FHA DE/Conventional Underwriter/USDA Retail • Underwrote to FNMA, USDA and FHA guidelines. • Utilized DU and GUS • Collaborated with Loan Officers and Processors on training and answering questions. • Calculated various types of income and assets (personal and business tax returns), reviewed loan values/loan to value ratios, debt to income ratios, credit reports, appraisal and title documents. Knowledge of implementation of mortgage insurance… Show more FHA DE/Conventional Underwriter/USDA Retail • Underwrote to FNMA, USDA and FHA guidelines. • Utilized DU and GUS • Collaborated with Loan Officers and Processors on training and answering questions. • Calculated various types of income and assets (personal and business tax returns), reviewed loan values/loan to value ratios, debt to income ratios, credit reports, appraisal and title documents. Knowledge of implementation of mortgage insurance guidelines. • Consistently maintained a high level of accuracy to meet FNMA, GUS and FHA guidelines. • Revisited loan to review and clear conditions. Show less



Radian-

• Greater Philadelphia Area

• Sr. Mortgage Underwriter

  • Mar 2009 - Apr 2009

  Worked as a Contract Underwriter. Underwrite to FNMA, FHLMC and Mi guidelines. Contracted at Suntrust Mortgage Worked as a Contract Underwriter. Underwrite to FNMA, FHLMC and Mi guidelines. Contracted at Suntrust Mortgage



MGIC

• United States
• Insurance
• 700 & Above Employee

• Sr. Mortgage Underwriter

  • Feb 2006 - Mar 2009

  Onsite Contract Underwriter in Wholesale and Retail lending environments. • Underwrote to FNMA/FHLMC and MI guidelines. • Reviewed all documents in the loan file including Appraisals and Title. Onsite Contract Underwriter in Wholesale and Retail lending environments. • Underwrote to FNMA/FHLMC and MI guidelines. • Reviewed all documents in the loan file including Appraisals and Title.