Ronah Mutsvunguma

Review and underwrite Non-QM loans including DSCR, Full Docs, Alt Docs, Bank Statements, Asset Depletion and Foreign Nationals. Analyze borrower creditworthiness, income, assets, and collateral in accordance with investor guidelines. Communicate effectively with processors and loan officers to ensure efficient loan closings.

Non-QM Underwriter - Granite Bank

(2026-04)

• Review and underwrite Non-QM loans including DSCR, Full Docs, Alt Docs, Bank Statements, Asset Depletion and Foreign Nationals.
• Analyze borrower creditworthiness, income, assets, and collateral in accordance with investor guidelines.
• Communicate effectively with processors and loan officers to ensure efficient loan closings.
• Maintain underwriting quality and turnaround standards.

Senior Underwriter/Team Lead - Maxwell Lender Solutions - Denver, CO

(2021-01 - 2026-04)

Lead a team of underwriters in the review of loan files to determine deficiencies and/or issues whilst maintaining a pipeline. Ensure all underwriters are doing the following

• Concise and accurate conditioning of loan files, including audits of underwriter loans.
• Meet turn time objectives
• Analyze complex tax returns
• Communicate with processor and LO in a positive manner in order to assist in moving files to closing as quickly as possible
• Concise and accurate input of data
• Run AUS and vendor software and analyze the results
• Complete a thoughtful and thorough review of appraisals
• Clear conditions as submitted while meeting turn time objectives
• Maintain acceptable quality control metrics
• Non QM loans- DSCR, Credit, Assets and Cross Collateral.Full Docs, Alt Docs, Bank Statements, Assets depletion and Foreign Nationals.
• Commercial Appraisal review of multifamily, mixed use, condotels, hotels and retail spaces.
• Perform Due Diligence on post closed loans and remediation of findings.
• Input on product building and guidelines building.
• Input in customization of Operating systems for maximum productivity.
• Pioneered multi client functionality. I am the first employee to work for multiple clients simultaneously and efficiently proved the theory.
• Analyze business income using Tax returns(1120,1120S,1065), P&L;, Bank Statements and business balance sheets.

Underwriter I - Source point Mortgage - Remote

(2020-09 - 2021-01)

• Authorizing and underwriting loans.
• Reviewing and verifying loan applications and supporting documentation.
• Analyzing loan risk and requesting additional information as necessary.
• Preparing reports on assessment findings.
• Making loan eligibility decisions and approving or rejecting applications.
• Reviewing and specifying loan conditions as necessary.
• Ensuring compliance with regulatory standards.
• Ensuring compliance with company policies and guidelines.
• Documenting and effectively communicating reasons for the approval/rejection of loans.
• Returning applications with additional documentation to the loan officer for review.

Underwriter I - Preferred Mortgages - Dallas, TX

(2017-08 - 2020-04)

• Comprehensive knowledge of conventional and Fannie Mae & Freddie Mac Guidelines.
• Review financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value).
• Responsible for ensuring that all loan documentation is complete, accurate, verified and complies with company policy.
• Work closely with Loan Officers, Managers and staff to promote open and effective communication and to ensure quality service delivery to customers.
• Manage the loan pipeline report to ensure loans are processed on time and meet guidelines.
• Assisting clients in choosing the mortgage type and mortgage terms appropriate to the financial information gathered.
• Develop and maintain workflows for all stages of document preparation, closing, file documentation, and collateral management.
• Monitor loan turnaround time.
• Design and implement operating procedures and benchmarks that promote efficient processing of loan requests.
• Organize and direct document preparation, loan file content, and loan approval reviews prior to loan closing; make corrections as necessary.
• Verify that all loans are processed in compliance with established federal and state regulations, company policies, and secondary market processing guidelines.

Financial Services Representative III/Processor - SunTrust Bank now Truist - Rockville, MD

(2005-08 - 2017-01)

• Welcome customers warmly when they enter the bank; calling them by name (if known).
• Help customers over the phone; answering on the first ring if available.
• Serve customers in opening new accounts, updating current accounts, and closing accounts.
• Cross-sell bank products and services based on customer needs.
• Research and resolve customer problems.
• Maintain the highest level of confidentiality with all information obtained.
• Perform as a team member in allocating and coordinating the work flow.
• Strong communication skills including excellent phone etiquette.
• Detail oriented and strong organizational skills.

Bachelor's