Angela Davis

Credit underwriter evaluates the financial, and regulatory aspects of a mortgage loan file to assess risk and reviewing borrower information, such as income, assets, credit, title, collateral and creditworthiness to ensure the loan met investor and regulatory guidelines prior to closing. Underwriter is to determine the borrower's ability to repay to mitigate risk.

• Contract underwriter for Nova Home Loans( included Bond Loans) and Lennar Mortgage ( New Construction) underwriting their loan programs for conventional mortgages.
• Actively participated in audits conducted by both internal teams and external regulators, providing necessary documentation as evidence of compliance efforts made within the organization.
• Analyzing occupancy, credit, income, assets and collateral
• Contributed to team success by consistently meeting or exceeding performance metrics related to productivity, quality, and customer satisfaction.
• Worked via Encompass system

• Underwriting conventional mortgage loans while maintaining data integrity and efficiency

• Credit review of borrower's loan file to determine credit, income, assets and collateral met guidelines at the time of closing.
• Responsible for verifying the validity of the information that was obtained in the loan file
• The underwriter was responsible for establishing the integrity of the information in the loan file to verify if the mortgage claim should be paid

• Underwriting conventional mortgage loans to investor and agency requirements.
• Providing timely, prudent mortgage approvals on retail loans, while reviewing the data integrity on every loan before if closes
• Responsible for analyzing every loan to ensure compliance with each investor and agency requirements are met
• Maintained minimal underwriting deficiencies sited on internal and external audits

Responsible for reviewing closed loans for various lenders.

Responsible for verifying the validity of the information that was obtained in the loan file to determine if the loan meet lender requirements at the time of closing.

• Underwriting conventional mortgage loans to investor and agency guidelines.
• Providing timely, prudent mortgage approvals to brokers, while reviewing the data integrity on every loan before if closes
• Analyzing every loan to ensure compliance with each investor and agency requirements are met
• Maintained minimal underwriting deficiencies sited on internal and external audits

• Providing timely, prudent mortgage approvals to brokers, while reviewing the data integrity on every loan before if closes
• Maintaining adequate production of volume daily
• Ordering MI Premiums for brokers and facilitating MI Quotes
• Analyzing every loan to ensure compliance with each investor and agency requirements are met