Loan Underwriter

Mortgage Loan Underwriter — Keystone Financial Group

Philadelphia, PA | June 2023 – Present

• Evaluated and processed over 55 residential mortgage loans weekly, verifying credit, asset, and income documentation to maintain compliance with FHA, VA, and conventional lending guidelines.
• Managed a continuous monthly pipeline of $18M in active credit files, completing initial risk assessments within an average of 36 hours and surpassing team velocity targets by 15%.
• Leveraged Ellie Mae Encompass and Desktop Underwriter (DU) to analyze applicant risk profiles, achieving a 99.4% quality assurance rating on post-closing audits over 24 consecutive months.
• Collaborated with loan originators and processing teams to resolve 98% of conditional approval issues, reducing overall loan processing cycle time by 6 days per file.

Associate Loan Underwriter — Vanguard Mortgage Solutions

Philadelphia, PA | June 2020 – May 2023

• Reviewed and underwrote 35+ consumer and residential mortgage applications weekly, verifying tax returns, bank statements, and credit bureau reports for risk evaluation.
• Identified and flagged critical documentation discrepancies in 40+ loan files annually, reducing loan origination fraud risk and saving an estimated $2.4M in potential bad debt.
• Utilized Calyx Point and Loan Product Advisor (LPA) to automate underwriting checks, boosting file processing throughput by 22% while maintaining a low default rate of 0.6%.
• Participated in weekly lending committee reviews for complex loan files exceeding $750,000, preparing detailed credit risk briefs that expedited final approval cycles by 20%.

Mortgage Underwriting, Credit Risk Assessment, Financial Statement Analysis, FHA/VA/Conventional Loans, Compliance Regulations, Fannie Mae & Freddie Mac Guidelines, Loan-to-Value (LTV) Calculation, Debt-to-Income (DTI) Analysis, Fraud Detection, Ellie Mae Encompass, Calyx Point, Desktop Underwriter (DU), Loan Product Advisor (LPA), Customer Relationship Management (CRM), Excel, Portfolio Auditing

Underwriting Workflow Optimization Initiative

Role: Project Lead

Tools: Ellie Mae Encompass, Desktop Underwriter, SharePoint

Redesigned internal credit review check templates and routing structures, shortening applicant response turnaround times by 40% while maintaining compliance audit standards.

FHA/VA Expansion Audit Campaign

Role: Senior Credit Risk Analyst

Tools: Fannie Mae DU, Excel, VBA

Analyzed historical loan portfolio performance to qualify 120 new applicants for specialized government loan programs, generating $32M in new loan volume with zero defaults in 12 months.

• Certified Residential Underwriter (CRU) (2023)
• Certified Mortgage Underwriter (CMU) (2021)
• Business and Commercial Lending Certificate (2022)
• FHA Direct Endorsement (DE) Underwriter Designation (2024)

• Professional Memberships: Mortgage Bankers Association (MBA)
• Languages: English (Native), Spanish (Conversational)
• Availability: 2 weeks notice