Angie Graybill
Versatile Financial Services Professional
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About
Analytical and Result-Driven Financial Professional with a proven track record in risk evaluation, process optimization and regulatory compliance. Skilled at translating complex data into actional insights to drive business strategy, improve operation efficiency and support organizational decision-making
Experience
Senior Level III Mortgage Underwriter - GVC Mortgage
(2025-04 - 2026-09)
- Expert in manual underwriting, complex income analysis and high dollar loans risk management, with a track record of driving operational efficiency. Oversees State Agency Down Payment Assistant programs (OHFA, IHCDA and FHA-NHF), FHA and Conventional while maintaining Quality control and compliance standards.
End to End Loan Servicing - Farm Credit Mid-America
(2023-11 - 2024-09)
- Obtained analytical data; such as income, credit history, Property inspection reports and financial status. Organize and review for farm lending approval.
- Once analysis is completed and approved the financial documents are organized and Closing is scheduled with the Title department. State legal compliance documents are generated.
DE Underwriter - Bank of England, Mortgage Division
(2013-04 - 2023-08)
Transaction requests analyzed based on financial documentation, cash flow models, historical performance. Evaluated credit history of borrowers including individual. Examined credit risks to determine acceptability.
Prepared detailed financial reports for the customer and make recommendations based on borrower's financial condition, cash flow, capacity, collateral, ability to repay, history. Investigated delinquent accounts. Adhered to credit policies, internal procedures, underwriting practices, control standards, compliance requirements.
Used office suite software such as
- Encompass, Outlook, Word, Excel, PowerPoint.
- Responsible for conventional, all FHA 203b and 203k, Home style and Freddie Choice Renovation, Jumbo, USDA, FHLB, OHFA, Chenoa, Mass Housing, OH Communities First, NCHFA, Colorado Housing, Florida Housing, Mississippi Housing, Kentucky Housing and Non QM
Peoples Home Lending Mortgage/HLS - Louisville, KY
(2011-06 - 2013-03)
- Used software tools including Encompass, Microsoft, Outlook, Calyx, Mortgage Builder, Morvision, Chloe Sol. Contacted credit departments for information on applicant credit standings. Analyzed credit information. Prepared reports of findings and recommendations. Relayed credit report information to subscribers. Approve new accounts. Set credit limits. Revoked customer credit accounts where necessary. Prepared loan reports. Examined public records to verify residence property ownership, bankruptc
Junior Underwriter - First Residential Mortgage
(2004-01 - 2011-06)
Education
Business Management - Eastern Kentucky University (1994-08 - 1998-05)
Presentation Academy (1990-08 - 1994-05)
