Jessica Claire
  • , , 100 Montgomery St. 10th Floor
  • Home: (555) 432-1000
  • Cell:
Professional Summary

Dynamic result driven mortgage professional with 7 years of extensive experience and in-depth knowledge of Fannie, Freddie, and investor specific guidelines in relation to mortgage underwriting. Able to handle multiple tasks and high volume with efficiency and effectiveness.. Substantial leadership experience gained in course of employment history and the U.S Army National Guard.

  • DU, LP, and Manual Underwriter
  • Encompass
  • DTI Ratio and LTV Ratio
  • Financial Document Review
  • Teamwork and Collaboration
  • Organization and Time Management
  • Non-QM Markets
  • Fannie Mae and Freddie Mac Guidelines
  • Self-Employment Income Calculations
Work History
Mortgage Loan Underwriter II, 09/2014 to Current
Lithia MotorsAgoura Hills, CA,
  • Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Able to grasp concepts quickly, make sound decisions and ability to communicate effectively with peers, Investors, and branch associates.
  • Underwrite Non-QM loans in accordance to investor guidelines - 12/24 Month Bank Statement loans, DSCR, Full Documents, and other loan programs.
  • Successfully complete an average of 3 initials daily, and a 24- 48 hour resubs review.
  • Trusted with lending authority of $1,000,000.
  • Experience with various income sources from wage earners, self-employed (1120s, 1065, etc.), seasonal and rental income to qualify borrowers for loan productions.
  • Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received.
  • Review documentation for compliance with internal and regulatory guidelines.
  • Correspond with processors to get outstanding documentation needed to complete requirements per the commitment.
  • Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Balance risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Review and edit loan agreements to promote efficiency and accuracy.
  • Successfully closed average of 30 loans per month.
Loan Processor, 12/2012 to 08/2014
Engineering Consulting Services, Ltd.Raleigh, NC,
  • Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
  • Submitted 15-20 loan applications with recommendation for underwriting approval monthly.
  • Contacted credit bureaus, employers, and other sources in order to check applicants' credit and personal references.
  • Maintained long-term relationships with customers to provide best-in-class customer service.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Set up and completed loan submission packages.
  • Evaluated approvals against established bank and government lending standards.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
Accounting Assistant, 12/2009 to 11/2012
First Coast Security ServicesCity, STATE,
  • Performed clerical office tasks, such as filing, data entry, processing mail, Answer telephone, scheduled examinations by coordinating appointments provided payroll information by collecting time and attendance records.
  • Operated E-Verify to check applicant’s employment eligibility verifications.
  • Processed transactions, issuing checks, and updating ledgers, budgets, etc.
  • Prepared financial reports, assisting with audits, fact checks, and resolving discrepancies.
  • Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
  • Investigated daily variances and corrected errors to resolve discrepancies.
  • Completed weekly check runs and maintained accounting ledgers by verifying and posting account transactions into accounting system.
  • Reported financial data and updated financial records in ledgers and journals.
Bachelor of Science: Criminal Justice, Expected in 05/XXX2
American Military University - Online,
Additional Information

Patient Administration Specialist - U.S Army National Guard

June 2015 to Current

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  • American Military University

Job Titles Held:

  • Mortgage Loan Underwriter II
  • Loan Processor
  • Accounting Assistant


  • Bachelor of Science

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