ANA CORREA
Tega Cay
Summary
Detailed Senior Mortgage Underwriter offering 25-year background reviewing Purchase and Refinance Mortgage applications for accurate and necessary information. In-depth knowledge of income calculations, complex tax returns (personal and business) and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service.
Overview
17
17
years of professional experience
Work History
Credit Risk Underwriter
Movement Mortgage
04.2024 - Current
- Determined loan completeness and accuracy by thoroughly analyzing Conventional, FHA and VA mortgage applications, appraisals and property valuations.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Evaluated borrower creditworthiness and financial stability to ensure compliance with underwriting guidelines.
- Collaborated with loan officers to clarify documentation requirements and streamline the underwriting process.
- Utilized automated underwriting systems to assess risk and expedite decision-making in loan processing.
- Prepared detailed reports on underwriting decisions, ensuring transparency and adherence to regulatory standards.
- Monitored pipelines to track and log status of loans.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained a high level of customer satisfaction by providing timely responses to inquiries and addressing concerns promptly.
- Continuously updated industry knowledge through professional training sessions, seminars, conferences, and self-directed learning efforts.
- Ensured compliance with federal regulations and company policies through diligent examination of mortgage documentation.
- Fostered a positive team environment by maintaining open lines of communication and supporting colleagues in their professional development.
- Demonstrated sound decision-making in approving or denying loans based on comprehensive assessments of borrower''s creditworthiness and risk factors.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
- Effectively communicated underwriting decisions to relevant parties, providing clear explanations for any required conditions or stipulations.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Upheld data privacy standards by securely handling confidential client information during the underwriting process.
Senior Mortgage Underwriter Remote
Crosscountry Mortgage Inc
08.2020 - 11.2022
- Determined loan completeness and accuracy by thoroughly analyzing Conventional, FHA, VA Purchase and Refinance mortgage applications, appraisals and property valuations utilizing Encompass
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Communicated with applicants and internal team members to discuss identified conditions needed for approval
- Assessed financial information to determine borrower's making of future payments
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
- Evaluated mortgage loan risk based on sound underwriting decisions
- Maintained compliance with company and regulatory policies
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
- Requested additional information for applications and documents when necessary
- Analyzed loan risk and reviewed loan conditions and requirements
- Evaluated loans against portfolio and investor guidelines
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity
- Collaborated with loan originators and processors to correctly review and assess applications and risks
- Researched applicant employment and financial histories to confirm document accuracy
- Resolved pre and post-closing issues relating to underwriting
- Requested additional information and documents from borrower to help determine loan risk
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
- Determined loan eligibility and approved or rejected applications
- Reviewed and evaluated loan applications and supporting documents.
Senior Mortgage Underwriter
Churchill Mortgage Corporation
10.2015 - 08.2020
- Determined loan completeness and accuracy by thoroughly analyzing Conventional, FHA, VA, USDA and Bond Purchase and Refinance mortgage applications, appraisals and property valuations utilizing Encompass
- Evaluated mortgage loan risk based on sound underwriting decisions
- Assessed financial information to determine borrower's making of future payments
- Communicated with applicants and internal team members to discuss identified conditions needed for approval
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Maintained compliance with company and regulatory policies
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
- Requested additional information for applications and documents when necessary
- Analyzed loan risk and reviewed loan conditions and requirements
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
- Evaluated loans against portfolio and investor guidelines
- Determined loan eligibility and approved or rejected applications
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity
- Collaborated with loan originators and processors to correctly review and assess applications and risks
- Researched applicant employment and financial histories to confirm document accuracy
- Reviewed and evaluated loan applications and supporting documents
- Resolved pre and post-closing issues relating to underwriting.
Mortgage Underwriter
American Security Mortgage Corporation
03.2012 - 09.2015
- Determined loan completeness and accuracy by thoroughly analyzing Conventional, FHA, VA, USDA and Bond Purchase and Refinance mortgage applications, appraisals and property valuations utilizing Encompass
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Communicated with applicants and internal team members to discuss identified conditions needed for approval
- Assessed financial information to determine borrower's making of future payments
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
- Evaluated mortgage loan risk based on sound underwriting decisions
- Maintained compliance with company and regulatory policies
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
- Requested additional information for applications and documents when necessary
- Analyzed loan risk and reviewed loan conditions and requirements
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
- Evaluated loans against portfolio and investor guidelines
- Determined loan eligibility and approved or rejected applications
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity
- Collaborated with loan originators and processors to correctly review and assess applications and risks
- Researched applicant employment and financial histories to confirm document accuracy
- Reviewed and evaluated loan applications and supporting documents
- Resolved pre and post-closing issues relating to underwriting.
Consumer Loan Underwriter
Wells Fargo
01.2010 - 03.2012
- Determined loan completeness and accuracy by thoroughly analyzing Conventional, FHA, VA and Bond Purchase and Refinance mortgage applications, appraisals and property valuations
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Communicated with applicants and internal team members to discuss identified conditions needed for approval
- Assessed financial information to determine borrower's making of future payments
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
- Evaluated mortgage loan risk based on sound underwriting decisions
- Requested additional information and documents from borrower to help determine loan risk
- Maintained compliance with company and regulatory policies
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
- Requested additional information for applications and documents when necessary
- Analyzed loan risk and reviewed loan conditions and requirements
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
- Evaluated loans against portfolio and investor guidelines
- Determined loan eligibility and approved or rejected applications
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity
- Collaborated with loan originators and processors to correctly review and assess applications and risks
- Researched applicant employment and financial histories to confirm document accuracy
- Reviewed and evaluated loan applications and supporting documents.
Mortgage Underwriter
RoundPoint Mortgage Company
08.2008 - 01.2010
- Determined loan completeness and accuracy by thoroughly analyzing Conventional, FHA and Bond Purchase and Refinance mortgage applications, appraisals and property valuations
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan
- Communicated with applicants and internal team members to discuss identified conditions needed for approval
- Assessed financial information to determine borrower's making of future payments
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial
- Evaluated mortgage loan risk based on sound underwriting decisions
- Requested additional information and documents from borrower to help determine loan risk
- Maintained compliance with company and regulatory policies
- Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
- Requested additional information for applications and documents when necessary
- Analyzed loan risk and reviewed loan conditions and requirements
- Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation
- Evaluated loans against portfolio and investor guidelines
- Determined loan eligibility and approved or rejected applications
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity
- Researched applicant employment and financial histories to confirm document accuracy
- Reviewed and evaluated loan applications and supporting documents.
Education
High School Diploma - undefined
Miami Beach High School
Miami Beach, FL06.1986
Skills
- FHA DE since 2005
- VA SAR/LAPP since 2010
- Encompass since 2012
- Income Evaluation
- Problem Solving and Adaptable Team Player
- Application Review
- Property Evaluation
- Loan File Review
- Automated Underwriting System (AUS)
- Credit History Review
- Financial History Analysis
- Creditworthiness Determination
- Attention to Detail
- Tax Liability Calculation
- Verbal and Written Communication
- Customer Service
- Multitasking and Prioritization
- Active Listening and Learning
- Fraud Detection and Prevention
- Sound Judgment
- Analytical and Critical Thinking
- Complex Problem Solving
- Decision Making
- Corporate Financial Statements
Timeline
Credit Risk Underwriter
Movement Mortgage
04.2024 - Current
Senior Mortgage Underwriter Remote
Crosscountry Mortgage Inc
08.2020 - 11.2022
Senior Mortgage Underwriter
Churchill Mortgage Corporation
10.2015 - 08.2020
Mortgage Underwriter
American Security Mortgage Corporation
03.2012 - 09.2015
Consumer Loan Underwriter
Wells Fargo
01.2010 - 03.2012
Mortgage Underwriter
RoundPoint Mortgage Company
08.2008 - 01.2010
High School Diploma - undefined
Miami Beach High School
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