Experience

National MI

• United States
• Insurance
• 200 - 300 Employee

• Sr Underwriter

  • Sep 2018 - Present

  Responsible for underwriting of mortgage insurance loans (retail, wholesale, jumbo,) on non-delegated basis. . Examined residential loan documentation for accuracy, completeness, and compliance with appropriate standards. Evaluated credit decisions for accuracy based upon established risk parameters and in accordance with guidelines. · Effectively and quickly communicate any areas of concern with a loan file to lenders as necessary. · Perform required analysis of property appraisal to ensure subject properties meet the company’s appraisal criteria. · Maintain a working knowledge of all current underwriting guidelines, federal and state lending laws and have the ability to comprehensively explain all to others within and outside the organization. Show less



Radian Clayton Services LLC

• Las Vegas, Nevada Area

• Mortgage Underwriter

  • Feb 2017 - Sep 2018

  Responsible for underwriting of mortgage loans (retail, wholesale, jumbo, correspondent) on both a delegated and non-delegated basis. · Effectively and quickly communicate any areas of concern with a loan file to Client Relationship Managers and be available to discuss with Originator, as necessary. · Interpret credit policy guidelines and investor guidelines and apply them to specific loans for effective sale in the secondary market. · Perform required analysis of property appraisal to ensure subject properties meet the company’s appraisal criteria. · Maintain a working knowledge of all current underwriting guidelines, federal and state lending laws and have the ability to comprehensively explain all to others within and outside the organization. Show less



United Guaranty Corporation

• Insurance
• 200 - 300 Employee

• Underwriting Team Manager

  • Jul 2015 - Feb 2017

  Responsible for providing day to day operations management of personnel, production, reporting and leadership to the Field Underwriting Team. · Analyze mortgage loans for mortgage insurance exercising appropriate risk judgment. · Manage personnel matters for assigned underwriting team members including but not limited to recruitment, hiring, salary administration, performance management, training and employee development. · Manage direct reports underwriting team member’s daily workflow to ensure consistent achievement of productivity, quality and service level expectations through national queue. · Provide leadership for an underwriting team to maintain a commitment to provide excellent customer service through innovation, responsiveness and providing risk based solutions. · Monitor workflows and department operation metrics to increase service level while increasing staff productivity without sacrificing quality or increasing risk. Show less



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Consumer Underwriter III

  • Sep 2014 - Jul 2015

  Examined unsecured revolving loan applications for accuracy, completeness, and compliance with appropriate standards. · Managed 9 indirect reports, trained and evaluated Operation Processors in maintaining compliance on revolving lines, ensuring knowledgeable workforce. Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager. Show less



Citi

• Las Vegas, Nevada Area

• Mortgage Underwriter

  • Sep 2005 - Aug 2014

  Reviewed loan requests for High Net Worth borrowers and made recommendations according to corporate guidelines, including requests for alternative loan programs. Obtained or reviewed all loan documentation and or prepared reports as directed by management. Interfaced with sales staff, home office credit personnel and business partners. Jumbo loan review. · Held $750K credit signing authority while processing higher-risk applications, determining alternative solutions and maintaining compliance. · Performed Level II underwriter loan audits and reviews of conditions submitted, improving employee performance and productivity by identifying areas of improvement, as well as coaching and developing workers. · Ensured positive customer relationships, utilizing effective written / verbal communication skills. · Trained and evaluated Junior Underwriters in maintaining compliance on appraisals, income, and title reports during heavy periods of volume, ensuring knowledgeable workforce. · Ability to think outside the box when evaluating loan scenarios and provide feedback to authorized parties. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Senior Quality Assurance Analyst

  • Jan 2011 - Oct 2012

  Examined residential loan documentation for accuracy, completeness, and compliance with appropriate standards. Evaluated credit decisions for accuracy based upon established risk parameters and in accordance with guidelines. Provided feedback to business partners regarding procedure modifications. · Received commendation for consistent compliance, on-time delivery and accuracy. · Proven leadership and operations management skills by developing strong B2B relationships, by collaborating with appraisal companies, title companies, realtors and government agencies. · Liaised, as Associate Engagement Champion, with senior leaders from National Underwriting and Fulfillment, providing company-wide initiatives, programs and action plans. · Responsible for remaining updated on all investor, agency, FHA, VA, and Loan guideline changes along with overlays. · Escalate in a meaningful and expedient way appropriate compliance and regulatory concerns. Show less