Experience

The Equitable Bank

• United States
• Banking
• 1 - 100 Employee

• FHA, VA & Conventional Mortgage Underwriter

  • Jul 2008 - Present

  As an underwriter I have the critical responsibility to the mortgage process of the one who will approve or deny the loan. I provide detailed analysis of the loan package to determine if a potential borrower presents an appropriate level of risk. I use my knowledge of our industries policies and procedures, which allows me to make sound judgments on every application I review. The risks and terms that I as an underwriter consider fall under the three C’s of underwriting: credit, capacity and collateral.



Bank of America

• United States
• Banking
• 700 & Above Employee

• SR. Underwirter

  • Oct 1998 - Oct 2007

  Supervised staff of 5 senior underwriters to ensure company and Fannie Mae guidelines were met. Responsible for the underwriting and validation of mortgage applications for 6 states in the Midwest to confirm the accuracy of all applications. I also assisted mortgage brokers regarding problem loans and developed solutions by restructuring or suggesting counter offers. Supervised staff of 5 senior underwriters to ensure company and Fannie Mae guidelines were met. Responsible for the underwriting and validation of mortgage applications for 6 states in the Midwest to confirm the accuracy of all applications. I also assisted mortgage brokers regarding problem loans and developed solutions by restructuring or suggesting counter offers.