Self-motivated professional detail-oriented Mortgage Underwriter with 5+ years experience in Underwriting and 10 years experience in the mortgage industry.
Complete regulatory and quality based audits to ensure compliance with regulations and investor and insurer guidelines.
Review loans for compliance with Fannie Mae, Freddie Mac, FHA, Rural and State Housing and VA guidelines.
Adhere to all federal and state compliance guidelines relative to retail mortgage lending.
Underwrite and analyze mortgage files for Credit, Capacity, Character and Collateral to determine eligibility.
Ensure that loan requests meet specific program, investor and insurer guidelines and counteroffer to a different product or program when appropriate.
Communicate decision of approval, suspense or denial to loan officers, mortgage processors and sales manager.
Processed mortgage loans from beginning to post closing.
Analyzed credit, income, assets, title work and appraisal reports. Worked with underwriters to gain loan approval and worked with funders to clear conditions for loan funding.
Accepted into Phi Theta Kappa Honor Society.
Graduated with 3.8 GPA
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