Rebecca Highland
Braidwood,IL
Summary
Experienced mortgage underwriter with a proven track record in risk assessment, financial analysis, and loan approval processes. Collaborative team player known for achieving results and adapting to changing needs. Possess strong analytical skills, attention to detail, and effective communication abilities that contribute significantly to any underwriting team.
Overview
13
13
years of professional experience
Work History
Senior Mortgage Underwriter
Crosscountry Mortgage Inc
10.2019 - Current
- Consistently exceeded expectations of minimum production while maintaining a high level of quality.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as FHLMC, HUD, and FNMA.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Underwrites Bond loans from different agencies across the country.
Senior Mortgage Underwriter
Guaranteed Rate Inc
06.2013 - 10.2019
- Consistent history of achieving and exceeding works goals and productivity.
- Quality and risk assessment, quality and comprehensive knowledge of underwriting guidelines.
- Also maintains meticulous attention to detail in quality and turnaround time requirements.
- Assisted management in training of new underwriters and new position within the company of junior underwriters
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
Mortgage Underwriter
Allied First Bank
10.2012 - 06.2013
- Recruited to establish an underwriting department for a local bank.
- I was instrumental in obtaining delegated underwriting status with numerous investors.
- I was able to accomplish gaining FHA Lender approval by completing extensive test case process in a rapid timeframe
- Approved or denied loans based on established criteria and underwriting guidelines.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
Skills
- Familiar with identifying operational risks and developing solutions
- Proven ability to perform quality work while maintaining productivity and compliance
- Freddie Mac, Freddie Mac and FHA guidelines
- Extensive knowledge of Freddie Mac Loan Product Advisor, Desktop Underwriter and Total Scorecard
- Advanced knowledge in special projects and assignments
- Microsoft Office to assist management
- Strong decision-making
- Loan underwriting expertise
- Residential loans
- Application analysis
Timeline
Senior Mortgage Underwriter
Crosscountry Mortgage Inc
10.2019 - Current
Senior Mortgage Underwriter
Guaranteed Rate Inc
06.2013 - 10.2019
Mortgage Underwriter
Allied First Bank
10.2012 - 06.2013
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