Underwriter

• Mar 2023 - Present

SR CONV/DE/SAR LAPP/USDA Underwriter

• Jun 2019 - Nov 2022

• Evaluate and analyze all loan packages including credit and collateral documentation to ensure investment quality loan product and collateral • In partnership with loan brokers, work to assist in structuring loans to ensure salability of package • Check accuracy of all calculations and analyze income utilizing personal and/or corporate tax returns of all borrowers • Consult with processing and funding department(s) to ensure all underwriting conditions are met prior to loan closing • Assist with curing deficiencies in loan files as a result of failure to meet investor, FHA, VA, USDA, repurchase, and/or Company guidelines • Maintain accuracy and competency in utilizing the Company’s system of record for automated underwriting of loan files • Communicate loan decisions both verbally and in writing in the format approved by Company • Exercise discretion and utilize exceptional analytical abilities to detect discrepancies in documentation and/or information in order to protect Company from fraudulent practices • Responsible for prudent and timely underwriting of loans in accordance with Company and investor guidelines by ensuring that Company turn-times are met and/or exceeded • Sign off on conditions in accordance with policies and procedures as set by the credit officer • May perform appraisal reviews and work closely with in house appraisal staff • Respond timely to all audits and maintain acceptable post-funding audit results within specific tolerance levels • Remain up to date and informed on all government regulations and requirements as well as Company guidelines and overlays • Escalate issues within the Company prescribed process • Follow the Company standards for the delivery of integrity, client focus, teamwork, and respect for each individual in every interaction • Exhibit observable sense of urgency in the execution of all job functions and duties. • Meet or exceeded levels of Customer Service delivery established by the Company

SR CONV/DE/SAR LAPP Mortgage Underwriter

• Mar 2016 - Jun 2019

• Evaluate and analyze all loan packages including credit and collateral documentation to ensure investment quality loan product and collateral • In partnership with loan brokers, work to assist in structuring loans to ensure salability of package • Check accuracy of all calculations and analyze income utilizing personal and/or corporate tax returns of all borrowers • Consult with processing and funding department(s) to ensure all underwriting conditions are met prior to loan closing • Assist with curing deficiencies in loan files as a result of failure to meet investor, FHA, VA, USDA, repurchase, and/or Company guidelines • Maintain accuracy and competency in utilizing the Company’s system of record for automated underwriting of loan file • Communicate loan decisions both verbally and in writing in the format approved by Company • Exercise discretion and utilize exceptional analytical abilities to detect discrepancies in documentation and/or information in order to protect Company from fraudulent practices • Responsible for prudent and timely underwriting of loans in accordance with Company and investor guidelines by ensuring that Company turn-times are met and/or exceeded • Sign off on conditions in accordance with policies and procedures as set by the credit officer • Perform appraisal reviews • Respond timely to all audits and maintain acceptable post-funding audit results within specific tolerance levels • Remain up to date and informed on all government regulations and requirements as well as Company guidelines and overlays • Work closely with underwriting management to resolve questions/issues • Escalate issues within the Company prescribed process • Follow the Company standards for the delivery of integrity, client focus, teamwork, and respect for each individual in every interaction • Exhibit observable sense of urgency in the execution of all job functions and duties. • Meet or exceeded levels of Customer Service delivery established by the Company

AVP - DE Mortgage Underwriter

• Feb 2007 - Feb 2016

Same as above with exception of VA Loan Underwriting Same as above with exception of VA Loan Underwriting