Tonya Briggs

600K lending authority

SENIOR MORTGAGE UNDERWRITER - PINNACLE CAPITAL PLUS - Upfront U/W

(2011-10 - 2012-03)

600K lending authority

• Manual and AUS underwrite residential loans to lender and investor. Paperless system.
• Analyze income, assets, trusts and property documentation.
• Quality production with no audits.

SENIOR MORTGAGE UNDERWRITER - BANK OF AMERICA - Upfront U/W

(2010-05 - 2011-09)

3 Million Lending Authority

• Manual and AUS underwrite up to three million on conforming, nonconforming, super jumbo & specialty programs in paperless environment for the Elite borrower.
• Analyze complicated tax returns, income, assets, trusts and collateral per investor guidelines.

SENIOR CONVENTIONAL UNDERWRITER - CONTRACT UNDERWRITER - Upfront U/W

(2007-10 - 2010-01)

$500K Lending Authority

• Analyze income, assets, trusts & property of mtg. loans in retail paperless environment.
• U/W conforming, jumbo and super jumbo, fixed and arm programs.
• Verify loans comply with all guidelines.

SR. UNDERWRITER - AMERICAN BROKERS COND - Upfront U/W

(2004-04 - 2007-08)

$600K Lending Authority. Same company as Capitol Commerce Mtg.

• Underwrite 6 loans per day.
• Underwrites consist of Option Arms, Non-Conforming, Conforming products.
• Utilize CDU, DU, LP, EMAGIC, & UNIFI.
• Maintain relationships with AE & broker.

SR. UNDERWRITER - SIB MTG, DIVISION OF AURORA LN SVCS, LEHMAN BROS - Upfront U/W

(2003-08 - 2004-04)

$500K Lending Authority

• Underwrite 6 loans day. Specialize in Super Jumbo I/O programs. Knowledge of various types of products: FNMA, FHLMC, COUNTRYWIDE, RFC, ALS, etc.
• Maintain customer service with brokers, AE, & internal staff.

SR. UNDERWRITER - CAPITOL COMMERCE MTG - Upfront U/W

(2002-04 - 2003-08)

$600K Lending Authority. Same company as American Broker's Conduit

• Underwrite & maintain pipeline of 160+ loans Including conforming, non-conforming, fixed & adjustable loans.
• Full knowledge of tax returns