MBA: Project Management American InterContinental University - Schaumburg, IL GPA:
[3.91] GPA
Dean's List [1-4 Semesters and 2017]
Honoree of [Delta Mu Delta]
Expected in 12/2016 to to
BBA: Business Management American InterContinental University - Schaumburg, IL GPA:
[3.63] GPA
Dean's List [1-4 Semesters and 2016]
Honoree of [National Honor Society]
Expected in 11/2015 to to
Associate of Arts: Business Administration American InterContinental University - Schaumburg, IL GPA:
[3.59] GPA
Dean's List [1-4 and 2015]
Honoree of [National Honor Society]
Expected in 06/1987 to to
High School Diploma: Human Services Bunn High School - Bunn, NC GPA:
Professional Career History
11/2021 to 03/2023
Senior Remote Mortgage Underwriter Majestic Home Loan – City, STATE,
Manually underwrite Mortgage HELOC mortgage loans according to investors portfolio underwriting guidelines, .
Utilize empower internal income mortgage calculator to determine if the borrower qualified for the HELOC.
Compiled with governing codes and instruction.
Adjust LTV, loan amount, and liabilities to qualify for the borrower according to the HELOC guidelines.
Determines if the borrower qualifies for the regular HELOC or Gold Builder by changing the product and running the decision select engine within Empower.
Used Decision Select to determine red flags and address the red flags to approve and deny the loan.
Denied and/Approved loan according to the HELOC portfolio guidelines. Continuous.
Served as Conventional, VA, USDA, FHA Single and Multifamily Quality Control Technical Governing Monitor, ensuring that each guideline requirements functions, are being met.
Responsible for monitoring DE Underwriter and Lender Activities and referring situations and questionable practices that may affect their further participation in HUD/FHA programs to the appropriate Field Office or Center Analyses Staff through the Chief Underwriter or Supervisor.
Conducted mortgage audit to determine if the loan met the underwriting and policy guidelines.
Government Technical Monitor (GTM) ensuring that requirements of contracts, servicing the Center's functions, are being met.
Evaluated the underwriter mortgage errors and performed assessments to identify and resolve issues.
Utilized the underwriting QC tool to help identify performance and quality issues.
Gave underwriting recommendations to correct the mortgage errors compliance issues and underwriting guidelines.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Underwrote New York conventional and FHA mortgage loans according to FNMA and FHA guidelines and Citizens Bank overlays.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Complied with governing codes and instructions.
Performed both the desk review of the property appraisal to determine the appropriate HUD estimate of value for proposed construction, existing construction, or substantial rehabilitation and, in certain circumstances, authorizes the issuance of the conditional commitment for home mortgage insurance
Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Accurately reviewed divorcee decrees, separation agreements, child support agreements, quit claim deeds, pension and retirement incomes.
Reviewed Self Employment Income tax returns 1065, 1120, 1120s, Schedule C, K1s, and Loss and Profit Statement; input documents into self employment income tools to confirm accurate income calculations.
Responsible for monitoring DE Underwriter and Lender Activities and referring situations and questionable practices that may affect their further participation in HUD/FHA programs to the appropriate Field Office or Center Analyses Staff through the Chief Underwriter or Supervisor.
Ran and Analyzed loans through DU to determine loan Approval Eligible or Approve/Ineligible.
03/2015 to 11/2021
Senior Remote Mortgage UnderwriterSutherland Global – City, STATE,
Underwrote Mortgage Loans according to the FNMA, VA, and FHA guidelines.
Accurately input the borrower's mortgage loan data utilizing Encompass mortgage loan software tool.
Carefully reviewed DU to ensure all mortgage guidelines were met and properly added as conditions.
Reviewed appraisals and title documents to verify accuracy and completeness.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Monitored pipelines to track and log status of loans.
Verified integrity of applicants' information to minimize fraud.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Approved or denied loans based on established criteria and underwriting guidelines.
11/2009 to 02/2015
Remote Mortgage Underwriter ManagerLenderLive Network – City, STATE,
Oversaw a team sixteen conventional mortgage underwriters
Assigned mortgage loans daily to each underwriter.
Ensured underwriters understood the expectations and delivery timelines.
Conducted team meetings weekly to discuss new processes in place and gave underwriters a safe place to communicate effectively and professionally.
Identified qualified underwriters, interviewed, hired, conducted beginning, mid, and end of year evaluations, including exit reviews.
Assisted underwriters with analyzing highly complex financial and credit information according to internal underwriting standards, investor guidelines, and federal regulations.
Reviewed highly complex loan scenarios and loan types with a
higher aggregate credit exposure including underwriting exceptions not determined through DU.
Gave support to underwriters as needed and assisted with analyzing loan documents and helped mitigate credit risk.
Provided support, answered questions, or conducted research on specific complex applications.
Drove up profitability within my region by leading effective teams.
Set departmental goals, guidelines, and objectives
for my mortgage teams.
Enacted and reinforced policies and procedures within
individual, district, and regional offices.
Facilitated quality control within the underwriting department.
Prepared monthly, quarterly, and/or annual reports,
examined data and ensured that underwriters followed proper procedures and company guidelines.
Occasionally facilitated new processes and guidelines for Adverse Action, declines, and approvals.
Completed and Submitted New Broker Sign up packages with the appropriate documentation via online with the lender.
Obtained and Reviewed copies of applicants' credit histories, income documentation, financial records to determine feasibility of granting loans.
Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Submitted loan applications to underwriter for verification and recommendations.
Researched and updated industry knowledge on changing legislation and regulations.
Recommended loan approvals and denials based on customer loan application reviews.
Advised clients on mortgage, education and commercial mortgage loans.
Assisted customers in understanding loan terms and conditions to make informed decisions.
Developed strong relationships with customers through high levels of customer service.
Collaborated with other departments to promptly process loan applications.
Proactively identified solutions for customers experiencing credit issues.
Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Completed Brokered packages sent over to lenders for approval and closing.
Expert Skills
Astute and methodical Senior Mortgage Underwriter with significant background working with complex loans. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
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