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.
