Experience

TBD

• Technology, Information and Internet
• 200 - 300 Employee

• Unemployed

  • Mar 2022 - Present



Sourcepoint

• United States
• Financial Services
• 300 - 400 Employee

• Underwriter 2

  • Apr 2022 - Present

  Start date 4/25/22 Start date 4/25/22



Homepoint

• United States
• Financial Services
• 700 & Above Employee

• Senior Underwriter

  • May 2020 - Feb 2022

  Worked as Sr Underwriter, team lead and trainer for new underwriters. Worked as Sr Underwriter, team lead and trainer for new underwriters.



Finance of America Mortgage LLC

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Underwriter

  • Aug 2019 - May 2020

  After layoff in 2019 FAM asked me to come back and I took the offer After layoff in 2019 FAM asked me to come back and I took the offer



AmWest Funding Corp®

• United States
• Banking
• 100 - 200 Employee

• Mortgage Underwriter

  • Jun 2019 - Aug 2019

  Starting June 10, 2019. Starting June 10, 2019.



Finance of America Mortgage LLC

• United States
• Financial Services
• 700 & Above Employee

• Underwriter

  • Jun 2015 - Mar 2019

  Started as a remote Retail and Wholesale Underwriter, after merger became Wholesale only for the San Jose office, then merged with other CA offices in 2018 and underwrote loans throughout the US. Responsible for underwriting income credit and collateral for Conventional loans in compliance with lender overlays including 1st and HELOC combo’s I submitted to TCF and coordinated through closing. Worked with brokers on scenarios and submissions. I am detail oriented and excel in complex loans. Started as a remote Retail and Wholesale Underwriter, after merger became Wholesale only for the San Jose office, then merged with other CA offices in 2018 and underwrote loans throughout the US. Responsible for underwriting income credit and collateral for Conventional loans in compliance with lender overlays including 1st and HELOC combo’s I submitted to TCF and coordinated through closing. Worked with brokers on scenarios and submissions. I am detail oriented and excel in complex loans.



Stearns Lending, Inc

• United States
• Financial Services
• 500 - 600 Employee

• Underwriter

  • Feb 2012 - Jun 2015

  As a wholesale underwriter was responsible for underwriting income credit and collateral for conventional loans I worked closely with mortgage brokers to assist and train in submitting well documented files, and clarified underwriting requirements. Helped maintain acceptable turn times as needed. As a wholesale underwriter was responsible for underwriting income credit and collateral for conventional loans I worked closely with mortgage brokers to assist and train in submitting well documented files, and clarified underwriting requirements. Helped maintain acceptable turn times as needed.



Reunion Mortgage

• Sr. Underwriter

  • Jun 2010 - Feb 2012

  I worked mostly as a wholesale underwriter with some retail underwriting in a (my first) totally paperless environment. We utilized DU and LP as well as Jumbo guidelines. I published a monthly "Tips from the Underwriters" page for distribution to mortgage brokers. I was Employee of the Month in September 2010, May 2011 and July 2011. I continuously led other underwriters in personal production. I worked mostly as a wholesale underwriter with some retail underwriting in a (my first) totally paperless environment. We utilized DU and LP as well as Jumbo guidelines. I published a monthly "Tips from the Underwriters" page for distribution to mortgage brokers. I was Employee of the Month in September 2010, May 2011 and July 2011. I continuously led other underwriters in personal production.



MGIC

• United States
• Insurance
• 700 & Above Employee

• Contract Underwriter

  • May 2009 - Dec 2009

  I worked as a contract underwriter “Rent a Body” at Lake Michigan Credit Union and then again for National City/ PNC Bank. I underwrote conforming loans at LMCU and “Refinance Relief” loans at NCB (both Freddie and Fannie). The latter was a fast paced environment with high volume\ to meet production expectations. I then moved to California December 8th I worked as a contract underwriter “Rent a Body” at Lake Michigan Credit Union and then again for National City/ PNC Bank. I underwrote conforming loans at LMCU and “Refinance Relief” loans at NCB (both Freddie and Fannie). The latter was a fast paced environment with high volume\ to meet production expectations. I then moved to California December 8th



ChoiceOne Bank

• Underwriter/ Loan Officer

  • Feb 2000 - Jul 2008

  I worked as a retail underwriter for ChoiceOne Mortgage, a FHLMC Seller/ Servicer. I underwrote FHLMC loans, and I also established a wholesale correspondent relationship with Countrywide in 2000. Later relationships with BBT, Rural Housing and FHA were added. I helped processing when needed. I also underwrote and approved portfolio loans, and reviewed files for bulk purchases. I was responsible for writing and updating all program descriptions and worked with the mortgage loan officers to update and train them on all new products until January of 2008. I was also responsible for killing out all withdrawn, declined loans, and pre-approval denials. I handled all pricing / rate sheets and locks / audits and post closing documentation. I reviewed final title policies, and was a licensed title agent. I also worked as a Loan Officer for the bank when needed - taking, approving and closing consumer and Home Equity loans. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Underwriter

  • Sep 1997 - Mar 1999

  I worked as a wholesale underwriter for a new branch of Countrywide that opened in September 1997. I underwrote conforming conventional first & second mortgages, home equity loans, USDA Rural Development, and FHA loans. I helped train new branch employees through rapid branch growth. I also did training with mortgage brokers on FHA changes. I was employee of the month November 1997. I worked as a wholesale underwriter for a new branch of Countrywide that opened in September 1997. I underwrote conforming conventional first & second mortgages, home equity loans, USDA Rural Development, and FHA loans. I helped train new branch employees through rapid branch growth. I also did training with mortgage brokers on FHA changes. I was employee of the month November 1997.



Mortgage Plus

• Underwriter

  • Dec 1996 - May 1997

  I worked as a delegated underwriter for Flagstar Bank, using LP. Cleared conditions, reviewed preliminary applications, communicated with mortgage brokers from 7 states I worked as a delegated underwriter for Flagstar Bank, using LP. Cleared conditions, reviewed preliminary applications, communicated with mortgage brokers from 7 states



Homerica Mortgage Corporation

• Underwriter

  • May 1996 - Dec 1996

  I worked with 30 plus investors - some in banking, some in broker capacity. Generated commitments, cleared conditions, maintained computer tracking procedures. I was responsible for handling full workflow from a busy branch office. I also supervised the processing dept. (Relocated to Michigan I worked with 30 plus investors - some in banking, some in broker capacity. Generated commitments, cleared conditions, maintained computer tracking procedures. I was responsible for handling full workflow from a busy branch office. I also supervised the processing dept. (Relocated to Michigan



Triangle Mortgage Services, Inc

• Underwriter

  • Aug 1995 - May 1996

  I worked with several investors including "private" banking services in a broker capacity, specializing in high net worth clients and co-op apartments. I did all processing, pre-underwrote, cleared conditions and set closings. I also maintained all banking logs and pipeline reporting, and participated in training of sales staff. I worked with several investors including "private" banking services in a broker capacity, specializing in high net worth clients and co-op apartments. I did all processing, pre-underwrote, cleared conditions and set closings. I also maintained all banking logs and pipeline reporting, and participated in training of sales staff.



Armour Mortgage Corp

• Operations Manager

  • Nov 1992 - Aug 1995

  I was responsible for all processing, submission and closing functions. I supervised the processing department, and maintained all banking logs and banking reports. I assisted in training the sales staff. I also wrote and published a monthly newsletter for distribution to local realtors. I was responsible for all steps of obtaining our Connecticut Banking License and forming necessary lending contacts and application packages. I was responsible for all processing, submission and closing functions. I supervised the processing department, and maintained all banking logs and banking reports. I assisted in training the sales staff. I also wrote and published a monthly newsletter for distribution to local realtors. I was responsible for all steps of obtaining our Connecticut Banking License and forming necessary lending contacts and application packages.



Rochelle Financial Services

• Mortgage Processor

  • Feb 1992 - Nov 1992

  For this mortgage broker, I processed, pre-underwrote and set closings for all mortgage files. I also established new contacts and lending relationships, and assisted in training sales staff. For this mortgage broker, I processed, pre-underwrote and set closings for all mortgage files. I also established new contacts and lending relationships, and assisted in training sales staff.



Dale Mortgage Bankers Corp

• Underwriter

  • May 1991 - Feb 1992

  At Dale, I underwrote wholesale and retail mortgages and cleared conditions - FNMA, FHLMC, SONYMA - and many other investors. I also followed up with mortgage brokers on wholesale submissions. In addition, I reviewed portfolio loans for bulk purchases. At Dale, I underwrote wholesale and retail mortgages and cleared conditions - FNMA, FHLMC, SONYMA - and many other investors. I also followed up with mortgage brokers on wholesale submissions. In addition, I reviewed portfolio loans for bulk purchases.



Liberty Mortgage Bankers

• Director of Wholesale Originations

  • May 1986 - Apr 1991

  I started as a retail underwriter, and helped originate the wholesale department when mortgage brokers became eligible to get licensed. The volume grew in this new sector grew to over $14M monthly. I also was responsible for reviewing, pre-approving, tracking, submission and review of all computer generated mortgage applications through mortgage and real estate brokers. I started as a retail underwriter, and helped originate the wholesale department when mortgage brokers became eligible to get licensed. The volume grew in this new sector grew to over $14M monthly. I also was responsible for reviewing, pre-approving, tracking, submission and review of all computer generated mortgage applications through mortgage and real estate brokers.



Century 21

• Real Estate Agent

  • Jun 1983 - Jun 1985

  Sold real estate in Dallas, TX Sold real estate in Dallas, TX