Driven, detail-focused Senior Underwriter with years of progressive and relevant field experience. Skilled leader and mentor with a keen ability for connecting with individuals and groups at all levels. Skilled in driving production and quality measures that bolster success levels and drive organizational efficacy. Thrives in deadline-driven environments that call for adaptability and flexibility. Presently seeking a role in the mortgage underwriting industry that will allow for professional growth and continued career advancement.

Time Management | Production Quality | Teamwork | Mentorship | Risk Assessment | Pipeline Management | Fannie Mae | Freddie Mac

FHA/VHA | Non-Conforming | Manual Underwriting | Private Mortgage Insurance | Microsoft Office | Internet Explorer

         Deliver underwriting services for conventional full and streamlined refinances; includes manual files and automatic systems usage

         Process same day loan approval on an as-needed basis

         Gained expertise in Texas A-6 loans that require MI guidelines and underwriting

         Familiarize with all new working systems with swiftness and tenacity

         Manage a full pipeline while simultaneously communicating with processing staff regarding documents needed for final approval

         Underwrote conventional Full and Alt Doc refinance and purchase loans; included both manual files and work with an automatic underwriting system

         Regarded as a department subject matter specialist for CO-OPs document gathering, analysis and underwriting project initiatives

         Exuded expertise regarding self-employed and W2 borrower income; reviewed assets and credit, assessed liabilities that impacted debt ratios, assessed appraisals and decided on acceptability

         Reviewed files for fraud, potential challenges or other notable findings

         Gained expertise in MHA and HARP Programs, MI guidelines, super conforming loans and conventional loan programs; included Fannie s My Community Mortgage, CFHA, OFHA, community second and DPA programs

         Assessed new loans and managed functions for a current pipeline; communicated with Loan Officers and Processors in regards to current statuses or possible loan issue resolution in order to ensure the utmost in quality

         Achieved zero defects, processed only sellable loans and surpassed all organizational goals; honored with the Underwriter of the Month Award in 2013 and 2014

         Led sales support efforts and verified conditions needed to garner loan approval, e.g. client income and assets

         Resolved title issues surrounding vesting, re-conveyances, as well as judgment, mechanic and undisclosed liens

         Tended to appraisal disputes and worked diligently to coordinate closing efforts

         Upheld a high standard for service and acted as a primary contact point for both customers and the sales force during loan closings

         Applied underwriting signing authority to acquire rank in the Top 50 of over 600 staff in the areas of loan quality and production; ensured lack of defect and made all loan packages highly sellable to clients

         Managed a refinance pipelines of more than 50 accounts; included Harp, Full and Alt Doc Conventional Refinances and Purchases

         Spearheaded loan change and closing processes; communicated with borrowers regarding loan status including program modifications, declines and required documentation; also verified document accuracy

         Garnered two years of noteworthy underwriting experience during processing; approved all SASE Level 1 Conditions including the approval of all files under Level 3

Bachelor of Business Administration Courses, Marketing, North Texas State University

Volunteer, Genesis Women s Shelter and Bank of America Community Volunteer Committee