Proven success in leadership, operational excellence and organizational development with a keen understanding of elements such as Capacity, Condition, Capital, & Collateral. Skilled professional specializing in Mortgage Underwriting and Insurance Mitigation, offering more than 10 years experience to growing organizational goals. Well-versed in insurance laws with success in mitigating risk and controlling loss through comprehensive financial analysis, policy negotiation and service delivery. Recognized for inspiring management team members to excel and encouraging creative work environments.
•Underwrite primarily conventional loan applications, ensuring adherence to company and investor guidelines.
•Evaluate and verify applications – determining whether the borrower will be able to repay the loan.
•Review and audit of loan files for completeness and accuracy, analyzing credit documents, including, but not limited to: mortgage applications, credit reports, income documents, title reports, appraisals and all applicable compliance documents.
•Review all conditions of loan approval and ensure all conditions are satisfied prior to submitting the loan to the closing.
•Prior to declining any loan, review the decision with the supervisor in an attempt to find alternative solutions.
•Communicate the results of loan underwriting decision to the originating personnel
•Coach/counsel originators and/or mortgage loan personnel in the interpretation and application of underwriting guidelines and provide guidance and recommendations.
•Assist when required to satisfy any post-closing issues.
Formal Credit Certified
All Lines Adjuster License
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