Energetic, courteous and customer-focused Senior Underwriter with over 15 years of mortgage industry experience. Possess precision and attention to detail, used to fulfill duties in a timely manner with the utmost in confidentiality. Skilled in approving and denying loans in alignment with applixxxxxxble laws and company policies. Adept at ensuring accuracy across all completed applixxxxxxtions. Conduct and confirm completion of due diligence, accuracy across inbound claims and comprehensive disputes against GSE and MI claims. Ensure quality service delivery in meeting production goals, alleviating institutional risks and attaining organizational goals. Positive demeanor with a keen ability to excel independently or in teams within dynamic environments. Seeking a Senior Mortgage Underwriter role with a reliable firm that welcomes experience and encourages professional growth.

Underwriting | Claims Mitigation | Loans (Conforming, Nonconforming, Alt-A, Subprime, HELOC, Seasoned)

Credit Checks | Ratio Xxxxxxlculation | Quality Assurance & Control | Fraud Detection | Loan Review

Loss Mitigation | Loan Audit Processes | Time Management | Organization

         Assess all mortgage applixxxxxxtions and related documents to ensure completeness and accuracy

         Adhere to GSE requirements specific to conforming loans and Pennymac overlays

         Evaluate loans to address red flags and prevent approval of fraudulent loans; esxxxxxxlate as needed

         Approved or denied loan applixxxxxxtions by evaluating loan packages to ascertain borrower risk levels; ensured sound judgements during all reviews

         Finalized all packages by confirming applixxxxxxtion completion and inclusion of related forms

         Returned applixxxxxxtions as needed to secure necessary data from borrowers

         Completed credit checks and property searches to establish tax statuses

         Maintained more than a 95% threshold in quality underwriting using due diligence for various loan programs

         Honored as Top Producer for the branch on numerous ocxxxxxxsions for commitment to achieving organizational, departmental and individual goals

         Spearheaded risk assessment procedures

         Verified the accuracy of applixxxxxxtion information; used the data to approve and/or deny loans per company policy

         Alleviated risks by determining potential fraud using an assortment of websites and tools

         Earned recognition for efficient underwriting; funded the most loans on the team

         Upheld high levels of accuracy during all phases of the credit underwriting process

         Determined the accuracy of inbound claims from government sponsored enterprises (GSEs)

         Managed loan functions in full compliance with lending guidelines; assessed the structure of each loan, often fielding complex xxxxxxses including the completion of related reports

         Successfully exceeded the number of loan reviews and appeals

         Studied funded loans for quality to note if due diligence was performed at origination

         Acted in a subject matter expert xxxxxxpacity within the team during Social Committee meetings and other important collaborative efforts

         Fostered and maintained a sense of collaboration with other team members

         Engaged in a workshop that centered on auditing Federal Housing Administration (FHA) loans

         Aimed to improve department performance by making valuable contributions to department efficiency projects

         Accomplished due diligence in underwriting conforming, nonconforming, Alt-A and Home Equity Lines

         Worked with accuracy and timeliness while reviewing the loans of fellow Underwriters

         Secured all documents needed to fund loans in close partnership with Loan Processors and the Closing Department; fulfilled all pertinent tasks in a timely manner

         Secured optimal loan programs for customers in collaboration with Loan Officers in alignment with their stated needs and circumstances

         Partook in underwriting processes for Subprime and HELOC loans

         Adhered at all times to departmental objectives, both collaboratively and individually in an overtime xxxxxxpacity

         Met company requirements by xxxxxxlculating ratios, reviewing appraisals and obtaining automated underwriting systems

         Commenced working relationship with Countrywide as a Suspense Coordinator before earning Underwriter promotion

Master of Business Administration, Sales and Marketing, University of Phoenix

Bachelor of Science, Business, Xxxxxx State University

Certifixxxxxxtion, NMLS (open to renewal)

Workshops, School of Mortgage Banking